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Essential coverages to meet client demands
As a landscaper, you need small business insurance to protect your assets. Every business needs general liability and commercial property policies. If you have employees, you also need Worker’s Comp. If employees use personal vehicles to travel to jobs, you need to have hired and non-owned auto liability as well.
Pays the costs to replace or repair property you break while performing landscaping services. It also pays medical expenses if somebody (excluding employees) gets injured as a result of your services.
Pays for new business property when equipment is stolen from your commercial building or job site. It also covers property damaged by fires, explosions and other covered events. Business Interruption insurance can also continue to pay fixed expenses when you close temporarily for repairs.
Protects you when you are at fault for a vehicle accident. It pays to fix your vehicle as well as any damage to a third-party's property or bodily injury. This includes accidents on the road and if you back a truck into a fence at the location.
Workers' Compensation provides wage replacement and wage benefits to landscapers who are sick or injured on the job. If they are unable to work, they are provided with wage compensation and rehabilitation benefits. This, in turn, waives their right to use your business.
The policy pays the costs that arise when equipment breaks including repairs, a temporary or permanent replacement, and loss of business income.
Possibly. But you must inform the insurance provider of how you use the vehicle. Some personal auto insurance covers your vehicle for commercial use, and some personal policies won't cover your vehicle for commercial purposes at all. Remember that when you keep your personal auto policy and continue to use it for work, your rates may go up.
You can purchase Commercial Auto insurance to fill gaps in your personal auto policy. This insurance covers the vehicles you use for work and the company vehicles. If the vehicle is registered under the business's name, then you must carry Commercial Auto insurance.
Subcontractors are businesses that are independent of your business. This means that they are not your employees, and they are not covered by your insurance.
The price varies from your years of experience in the business, loss history and other factors. On average, the average yearly cost is $600.
Landscapers are at risk of many accidents that could happen at work. They can cause property damage or get injured which could lead to financial loss and your business getting sued. This is why you need to carry Workers' Compensation as it covers employees should they become injured or ill at work.
These establishments provide services like landscape installation, lawn care, spraying, maintenance, fertilizing services, mowing, the pruning of trees and shrubs, and other activities related to the care and maintenance of plants and garden.
Many individuals get the help of landscaping service companies to achieve a beautiful outside view of their home or business. Professional landscaping services assist with lawn care and arborist techniques that make an area welcoming to others. Since you understand the value of caring for your property, buying small business insurance should be at the top of your priorities.
The right lawn care insurance or arborist insurance protects you from the risks you face most, including:
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