Insurance for Landscape Architectural Services

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Why Landscape Architectural Services Need Insurance

As landscape architectural service business you work with a variety of clients on their land planning projects. Customers rely on your for advice and your expertise to bring their ideas to light, and they trust you to lead them in the right direction. Whether you offer landscape design advice, plan garden layouts or land use, or provide surveying services, your landscape architectural services business needs insurance. Business insurance protects your financial resources, reputation, and future during worst-case scenarios that result in high expenses and lawsuits.

Companies that fall under this industry offer a wide range of services such as aerial geophysical surveying, garden planning, geological surveying, golf course or ski area design, magnetic geophysical surveying, landscape consulting, seismic geophysical surveying, industrial land use planning, and landscape design.

Risks Landscape Architectural Services Could Face

There are a number of risks you face every day:

  • Design Mistake: If you fail to include an important safety feature in your design and damage results because of it, you can be held liable.
  • Bad Advice: Customers trust your advice and instincts. If you offer advice that doesn’t work or is detrimental to their well-being, they can file a lawsuit for the negative damages.
  • Employee Injury: Land surveyors often spend their time in dangerous areas like alongside busy highways. If a driver swerves and hits the surveyor, your business is responsible for any medical expenses and lost wages. You can also be held liable for death expenses and lifetime lost wages if the injury is fatal.
  • Auto Accident: Traveling to job sites opens the door to driving risks. If an accident occurs and your employee was using their personal vehicle for business, their auto policy won’t offer coverage. Your business will be responsible for the damage to the vehicle and any other property damage or injury that occurs.
  • Theft of Equipment: Landscape architectural services require specialty equipment that isn’t cheap. If your equipment is stolen from your truck, office, or job site, how will you afford to replace it?

Types of Coverage Landscape Architectural Services Need

Insurance protects you during these scenarios. The trick is making sure you have the right business insurance in place. Every landscape architectural services business needs general liability, commercial property, and professional liability insurance. If you have employees, you might need worker’s compensation or employment practices liability.

  • General Liability: Pays expenses for claims and lawsuits that claim your services caused personal injury, advertising injury or property damage.
  • Commercial Property: Pays to replace your property or building in the event of an unexpected event like fire or theft that occur at your commercial location or job site.
  • Inland Marine: This policy protects your property while it is in transit. Examples include if equipment falls out of the truck while in route or equipment is stolen while the truck is parked at a gas station.
  • Professional Liability: Pays expenses that arise because your advice caused a negative impact or you missed something in your design plans that negatively impacted another person or entity.
  • Business Auto: Covers costs that arise when your business is responsible for an accident include repairing your vehicle, any medical expenses, and fixing another party’s property.

How Much Does Landscape Architectural Service Insurance Cost?

There is no cookie-cutter insurance policy for landscape architectural services. Each insurance company is different and uniquely calculates premiums. Most companies will need a detailed explanation of your services, safety procedures, past claims history, and a summary of your experience. You can request an insurance quote for landscape architectural services today by filling out our online form.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
Professional Liability
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity. Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity.

Why get it: Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

Errors & Omissions (E&O)
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part. Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part.

Why get it: Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

General Liability
This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

What is it: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy.

Why get it: General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

Commercial Property
This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage. If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

What is it: This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage.

Why get it: If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

Workers Compensation
Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

What is it: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Why get it: Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

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