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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.
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.
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