Landscaping Insurance | Importance and Comprehensive Coverage 2020

What is Landscaping Insurance?

As a landscaping business owner, obtaining Landscaping Insurance can help secure your developing business. Landscapers are prone to different sorts of dangers each day they hit the soil at the beginning of their day. Same with other occupations, landscaping can also be risky that it can cause mishaps and financial losses. Landscaping Insurance can ensure your business as well as your employees from unprecedented events. 

 

Landscaping Insurance provides various types of policies that can fill the needs of your business. It can give peace and confidence as you grow and develop your landscaping business.

Why is Landscaping Insurance Important?

As a landscape business owner, you take good care of the landscapes you create and the landscapers you manage. You may also need someone to look out for your business. 

 

Having Landscaping Insurance is essential. It can secure you and your employees from financial loss caused when accidents and potential claims arise. In a world full of uncertainty, even your landscaping business could be a target of different perils. 

 

If you have Landscaping Insurance, it just shows that you are persistent and determined to develop your business. Be aware that clients usually ask to see your Certificate of Insurance before they let you do your job.

Who Needs Landscaping Insurance?

Landscaping Insurance accommodates businesses that provide service and maintenance to the outdoor spaces of commercial or residential buildings. Whether you’re a gardener, landscaper, or lawn care professional, you need Landscaping Insurance. 

 

Your tools and equipment can be your highest investment for your landscaping business. The reputation of your business grows as clients count on you when you provide service for them. 


Thus, your business will be in a position of high risk when unfortunate events occur. Financial liabilities due to accidents can ruin your business. Therefore, it is wise to buy insurance to get yourself covered. Get a Quote Now.

How Much does Landscaping Insurance Cost?

Landscaping Insurance cost varies in different aspects. It depends on the policies you choose, the available coverage options, and the specific type of work you do. 

Most insurance companies consider the following factors:

  • Number of your employees
  • Location of your business
  • Types of vehicle you own
  • Amount of your tools and equipment
  • Revenue receipts
Profession - Landscaper

What Does Landscaping Insurance Cover?

General Liability Insurance is also known as Commercial General Liability Insurance. It is one of the most common insurance types and usually the first policy that business owners buy. It provides assistance in accidents such as customer injury or property damages.

 

General Liability Insurance covers the following:

  • Bodily Injuries: It covers medical fees when a customer trips over your tools and gets hurt. 
  • Property Damage: It pays for repairs and replacements if you or one of your employees causes damages to third-parties.
  • Reputational Harm: It helps defend your business when someone sues you for something you may have said that affected their reputation.
  • Advertising Injury: It gives assistance when you face lawsuits due to copyright infringement.

Workers’ Compensation Insurance is also known as Workman’s Comp. It provides financial assistance when employees get sick or hurt from work-related activities. Most states require employees to bring their Workmans’ Comp Insurance. However, the requirements depend on the type of business you do.

 

Workman’s Comp compensates for the following:

  • Loss of income if unable to go to work
  • Medical Fees
  • Death Benefits
  • Ongoing Care Costs

Commercial Auto insurance is also called Business Auto Insurance. It helps pay for repairs or replacements of the damages on the business vehicle. When you or your employee is on the road for business, you are at risk for accidents that may happen.

 

Commercial Auto Insurance helps you pay for the following:

  • Medical fees and lost wages due to injuries
  • Repairs and replacements because of damages
  • Loading and unloading liabilities for small businesses who ship items from one location to another

Inland Marine Insurance or Tools and Equipment Insurance safeguards the items of your business when in transit. Landscapers usually transfer tools such as sheers, mowers, and other equipment. Inland Marine would cover for the repairs or replacements of damaged and lost tools due to theft while they’re in transit.

 

Inland Marine Insurance protects the following:

  • Tools and equipment in transit
  • Lead-tracking data
  • Electronic assets

Commercial Umbrella Insurance provides extra coverage for your landscaping insurance policy limits. For example, imagine that you had an accident while you’re in your company car. If the injuries exceed your business auto coverage limits, a commercial umbrella can help pay for the amount that exceeds your coverage limits.

 

Commercial Umbrella Insurance can help expand the following coverage limits:

  • Medical Expenses
  • Property Damages
  • Lawsuit Expenses

Overall, having Landscaping Insurance is equal to protecting your business assets from a potentially overwhelming financial loss. Moreover, it gives assurance to your clients, making them trust the service you provide for them. From General Liability to a Commercial Umbrella, Landscaping Insurance coverage can give you lasting relief as you grow your flourishing business. Contact one of our best insurance agents to help you choose the right coverage that can provide long-term support for your business. Call Now!