Insurance for Landscapers

Landscaping Insurance: What You Need To Know

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Landscaping Insurance
Are you an arborist? A professional tree trimmer? How about a landscape architect or garden planner? Any time your work involves planning and executing a vision outdoors on someone else’s property, it’s likely that you can benefit from purchasing insurance for landscapers. This highly specialized form of insurance protects you in the event of property damage, an automobile accident, broken or faulty equipment or worker injury. Even if your company is just planting a few trees for a family down the road, landscaping business insurance covers many liabilities that you might not even be aware of. 

Basic landscaping insurance is comprised of two different policy coverages: general commercial liability and commercial auto. The first one covers many important liabilities for which your business is responsible, including bodily injury and property damage. Commercial auto is included in most policies because nearly all landscapers must use a vehicle to transport tools, equipment and workers from job to job. It’s must easier to transport a lawn mower from town to town in the back of a pick-up truck than it is to drive it, so you need to insure your work vehicle in case of any work-related accident. 

Landscaper insurance quotes also frequently include language around a Business Owners Policy. This type of policy is less specific to landscapers and indeed is used by many small business owners and operators, but it still contains coverage areas that can be very useful to landscapers. In addition to providing for increased general liability coverage, these policies also protect commercial property and help to reduce the risk of lost income as a result of an accident or property damage. Insurance for a landscape business must cover all of the things that can happen on a job site: using powerful tools like a chainsaw or dangerous chemicals can naturally lead to hazardous situations. Even though Business Owners policies are constructed to cover many different things, it’s still a good idea to try to build your individual policy around your business’s needs. 

Although many business owners are justly concerned with the question ” how much does landscaping insurance cost “, it’s very difficult to say that for certain in the space of this short article. If you’re interested in requesting a quote from a team of expert insurance professionals, please give our website a visit or call us directly. We’ll make sure that you and your crew are safe and secure, no matter how dangerous the next job is.
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