What you need to know about lawn care insurance?

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Our schedules are busier than ever but the need to keep yards aesthetically pleasing remains important, making lawn care businesses highly in demand. From basic services such as cutting, trimming, and yard cleaning to more complicated garden set-ups, the lawn care industry is at an all-time high.

But no matter how careful you and your employees are, landscaping businesses are still subject to various risks and financial uncertainties. Accidents can still happen and one costly lawsuit might cause your business to shut down operations permanently. Obtaining the right lawn care liability insurance for your trade can make a huge difference.

Lawn care companies have a unique set of needs and a specialized structure, and small business owners can select different insurance policies to safeguard their assets. From Worker’s Compensation to Commercial Auto and General Liability Insurance, a variety of policies can protect your business from financial losses.

What’s covered by lawn care insurance?

Depending on your needs, requirements and company size, there are different types of coverage applicable to your trade. The types of coverage you’ll need depends on the scope and practices of your business. In the Northern States, for example, lawn care companies often do snow removal in the winter, commonly using trucks not just for plowing but for transporting snow removal equipment as well.

Below are the common types of insurance coverages bundled for lawn care businesses:

Workers Compensation

Required by most states, Workers’ Comp protects your employees in the event of work-related injuries or accidents. It pays for medical costs, rehabilitation expenses, and lost wages. On the other hand, it also protects employers from lawsuits due to negligence.

Property Insurance

A high priority for lawn care companies a building and physical assets.The insurance will pay to replace your property in case a natural disaster, criminal mischief and other events beyond your control cause a loss.

Commercial Auto

Having a commercial auto policy is essential to protect you from costly liabilities should an accident occur while doing business. If you use vehicles for business purposes, you’ll need a commercial auto insurance policy.

General Liability

Considered to be one of the most important policies for lawn care business insurance, general liability protects you from various risks such as bodily injury, property damage, personal or advertising claims, and false or misleading advertisements, including libel, slander. or copyright infringement.

Employers Liability

EPLI or Employers Practices Liability Insurance is a specialized type of insurance policy that provides coverage for employment-related charges like harassment, breach of contract, wrongful termination, discrimination, retaliation, and other work-related issues.

Inland Marine Insurance

It might not sound applicable for your business but inland marine provides coverage for your goods should they become lost or damaged during transit. It protects your tools and equipment against theft, accidental loss, or vandalism.

Business Umbrella Liability

The primary purpose of umbrella insurance is to extend your coverage when your policy limits are reached. This business insurance adds an extra layer of security should your policy reach the maximum declared coverage and can extend coverage on multiple policies at once.

Is lawn care insurance required by law?

It depends on the area in which your business operates because certain coverages are state dependent. For example, commercial auto insurance is required in all states as long as you will be operating vehicles to transport your goods or equipment. Alternatively, if you have employees working for your company, most states require Workers’ Compensation, but coverage may be optional for those running a one-man business.

Discussing your needs with your trusted insurance agent can help explain the various policies required for each state. Although requirements vary depending on location, there are policies that even if not required by law, will still give your lawn care business the protection it needs – one good example is general liability insurance.

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How much does lawn care insurance cost?

The cost of lawn care business insurance varies depending on several factors. Things like top-line sales figures, claims history, overall credit, driving history, payroll figures, and degree of exposure affects the policy premium. The type of policies you purchase as well as coverage limits also affect the total cost of insurance. For example, a basic lawn care business will pay a different premium compared to a landscaping company who specializes in hardscapes.

When purchasing insurance for your business, the rule of thumb is to opt for the best coverage rather than go with the lowest. It might be tempting to purchase a low-cost policy but you have to consider several aspects such as the consistency of the insurance company, declared coverage limits, carrier reputation, slow payouts, and other considerations.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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