Lawn care and landscaping insurance
Running a landscape and lawn care business is difficult. Insuring it shouldn't be.
Every space is unique for landscapers and lawn care experts. Risks are too.
You love the outdoors, and you love the peace and tranquility it gives your customers. It’s not just about cutting the grass and trimming the hedges. It's about creating a space for crowds to gather, children to play, and families to connect.
Each space is different, presenting different challenges and opportunities, which means each day is different for you as well. Traveling to, and working on, different locations with heavy equipment can present inherent risks for business owners in the lawn care industry, making landscaping insurance essential.
Have assets, like inventory or equipment, that can be stolen or damaged.
Risk customer injury or property damage due to your operations.
Accidents that could threaten your landscape and lawn care business
Without proper lawn care and landscaping insurance, claims can take a considerable toll on the financial viability of your business. Here are just a few examples of accidents that could put your business at risk:
Customer property damage: if you’ve been hired to cut the grass for a residence, the owners could claim that you or your staff damaged their fence or other property. Without landscaping insurance, you would pay for the damage out of pocket.
Driving to a customer’s location: if you are rushing to get to the next job site before the storm rolls in you could cause an accident by running a red light. Auto-related claims could significantly affect your business.
Workplace injuries: an employee could experience a workplace injury, for example, a laceration from a piece of equipment. Insurance could alleviate the financial burden of the employee’s medical care.
Equipment damage: an accident with your zero-turn mower could damage a piece of equipment that is critical to running your business. Protecting your equipment and source of income with landscaping insurance will help you recover.
For example, just like when you order a meal at a fastfood restaurant, when you buy the meal deal, it's cheaper than if you buy your sandwich, drink, and fries individually.
Simplifies the insurance process and makes it easier for you to manage multiple coverages in one business owner’s policy.
It’s invaluable to have the peace of mind that you are properly protected through a range of coverages included in one business owner’s policy so you can focus on growing your business.
What kind of insurance does a landscape and lawn care business need?
Operating a landscaping or lawn care business means you’re always on the move, transporting heavy equipment and potentially risking injury or damage to client property. Furthermore, due to seasonality, you need to make money (and save money) whenever you can.
Having the right landscaping insurance policy in place for your lawn care business can protect you, your equipment, and any employees you may have. That means you’re financially covered if you happen to make a mistake, experience an injury, or have a misunderstanding with a client.
Beyond standard business insurance policies like commercial general liability (GL) and workers’ compensation (WC), you need a comprehensive plan that safeguards your business, equipment, and personnel wherever you go. Additional types of lawncare and landscaping insurance coverage could include:
How to get lawn care and landscaping insurance
Don’t navigate commercial insurance alone. While many potential accidents could threaten the stability of your landscape and lawn care business, working with a trusted advisor can help protect your investments and allow you to focus on getting the job done right.
There is no one-size-fits-all solution for any business, which is why it’s important to discuss where and how you operate with a knowledgeable commercial insurance agent who has experience in landscaping insurance and will get you the coverage you need.
Why choose the Commercial Insurance Center for lawn care and landscaping insurance?
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing business insurance for landscapers just like you.