As a landscaping business owner, you understand the importance of protecting your business and employees from unexpected accidents and liability claims.
That's where our Landscaping Insurance comes in. Our policies are designed to provide comprehensive coverage for landscaping businesses of all sizes.
Benefits of Landscaping Insurance
Financial Protection
Insurance coverage can help protect your business from unexpected expenses related to accidents and liability claims.
Peace of Mind
With insurance coverage, you can focus on running your business without worrying about the financial impact of accidents or liability claims.
Legal Compliance
In many states, certain types of insurance coverage, such as workers' compensation, are required by law.
Emergency Services Coverage
Whether it's a fallen tree, a broken irrigation system, or other unforeseen events, our policies can provide coverage for emergency services to quickly repair and restore your landscaping. This can help minimize business interruption and ensure that your landscaping continues to look its best.
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Environmental coverage
General liability
Commercial auto
Workers’ Compensation
Inland marine
Environmental coverage
Risk Factors
Environmental impairment exposure is significant. The application of chemicals can result in damage to air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products.
Solution
This can cover you in case you are liable to pay fines & legal expenses for polluting the environment.
General liability coverage
Risk Factors
Third-party injury and property damage are the greatest risk exposures in the lawn care business with claims and lawsuits that can exceed hundreds of thousands of dollars.
Solution
It covers bodily injury or property damage to third parties like the people or entities other than your employees or your business. Without general liability insurance, a lawsuit could bankrupt your business.
Commercial auto coverage
Risk Factors
Your commercial vehicle can be liable for other party’s injuries or property damage if you or your employee cause an accident while driving for work.
Solution
It includes liability coverage. Landscaping business owners can opt for coverage that pays for damage to their vehicles, roadside assistance, and medical bills for them and their passengers.
Workers’ compensation coverage
Risk Factors
Your workers may face several work hazards, such as sharp tools, heavy equipment, operating machinery and vehicles, and even animal bites, which make workers’ comp coverage critical for your small business.
Solution
It covers medical bills and wage replacement for employees who suffer work-related injuries or illnesses. This coverage is necessary for many landscaping businesses because of the risks involved, plus most states require workers’ comp coverage if you have any employees.
Inland marine coverage
Risk Factors
Because transporting equipment is common in the industry, most insurers should include at least some inland marine coverage on their property policies to be on the safer side.
Solution
It covers your equipment, tools, and supplies as you move them from one job to another or while delivering your landscaping products, such as plants and trees, to a client. Policies can also cover any equipment you store away from your primary location, like a client’s shed or a garage.
At our Insurance Agency, we understand the unique risks of running a landscaping business. That's why we offer customized insurance solutions to meet your specific needs. Contact us today to learn more about our Landscaping Insurance and how we can help protect your business.
