Landscaping Services Insurance

Specialized coverage for your unique risks.
Landscaping Services Insurance

Get a Quote Today

As an independent business owners insurance agency, we are here to help you find the right Business Owners Insurance coverage.
See Your Offers

Landscaping services insurance to protect your business and assets.

As a landscaper, you probably spend most of your day out with clients. While you’re on the road, the last thing you want on your mind is your insurance coverage. However, there are many reasons why a basic business insurance package just isn’t enough. A broad landscaping services insurance program needs to take everything into consideration. That includes your equipment, your employees, and your specialized risk.

Go beyond basic general liability.

Every business has the potential to harm, damage, or injure another business or person. That’s why businesses need general liability insurance. However, it’s not so simple for landscapers. This is because the bulk of work performed is on your clients’ properties. Your employees could damage a patio, deck, or other expensive structure. Your client could trip over equipment left out on the lawn. Chemicals like herbicides could create a hazardous spill or injure someone. Also, if you subcontract any work, you can be held liable for damage subcontractors do as well.

Umbrella insurance can provide greater protection.

In the case of significant damage to property or serious injury to a non-employee, there’s a high risk of being sued. Defense of lawsuits can be quite costly. If damages are awarded to the other party, a large enough sum could exceed the limits of your standard liability policy. A commercial umbrella insurance policy provides additional protection with higher limits and typically broader coverage. This coverage extends not only over your general liability policy but also many other coverages as well.

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Landscaping Services Insurance

Don’t leave your equipment unprotected.

Your landscaping business uses specialized and expensive equipment. Your tools and machinery are also commonly moved from job site to job site. This increases the risk that they could be damaged or stolen. Without it, you can’t perform your work. Your insurance policies need to properly protect your high-value items in case they need to be replaced or repaired.

Workers’ compensation insurance for landscapers is a must.

Workers’ compensation insurance is mandatory but the specifics can vary in different locales. Given the physical nature of your work as a landscaper, the proximity to chemicals, and the skill necessary to use certain equipment, there’s increased risk your employees could become injured or even killed on the job. Having adequate workers’ compensation coverage in place protects your business and your employees. Your insurance company must also be aware of the locations of job sites so that policies are accurate and inclusive.

Hauling your equipment requires business auto insurance.

Your employees are driving all over town to work at different locations throughout the day. There could be other employees in the vehicle with them or they could be carrying equipment. In addition to pickup trucks and vans, you may also have dump trucks, riding mowers, excavators, and other vehicles in use. Your business auto insurance policy must include protection for all the vehicles that your business owns.

Other business insurance policies should be considered.

Landscaping services insurance programs must also include policies geared toward the business side of things. Cyber liability insurance offers protection in case of a data breach of customer records. Your landscaping business likely owns the property to store equipment and office space, which would necessitate commercial property insurance. You’ll also want to consider employee theft coverage and employment practices liability insurance in case of dishonest workers or claims of harassment against your company.

To discuss your landscaping services insurance needs and to find out how you can protect your business, contact us today.

Get Started Today

As an independent agency, we are here to help you find the right Landscaping Services Insurance coverage.
Get a Quote

Business Owners Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.
Insurance Quote
Name
Name

Please do not include sensitive, private information in this area.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.
Would you rather discuss this in person? Get in touch with an agent today!
Contact Us

Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

Call Now ButtonCALL NOW: (717) 739-4639