Garden Maintenance Service Insurance

Your Guide to Garden Maintenance Service Insurance

Don't let costly problems keep your business from growing.

Garden Maintenance Service Insurance

Garden maintenance services provide all kinds of garden and lawn care for private and commercial properties. If you own a garden maintenance service, you may provide lawn mowing, gardening, planting, trimming, and mulching services. You might also offer to your customers services like fall and spring cleanup, snow removal, and more.

No matter the size of your business or the services you provide, your business is susceptible to costly problems like property damage, accidents, worker injuries, and lawsuits. Investing in business insurance for your garden maintenance service can mean the difference between one of these problems forcing you out of business and it simply being a nuisance.  

An independent insurance agent in your city can help you find customized garden maintenance service insurance that helps you protect your livelihood.

Why Do You Need Garden Maintenance Service Insurance?

Your garden maintenance business is exposed a variety of unique risks. Could you recover if your valuable equipment was damaged or destroyed due to a storm, a fire, or theft? What if a customer sued you because one of your employees injured them or damaged their property? Could you adequately compensate an employee who was injured on the job?

If you own a garden maintenance service, you need business insurance that protects you from the following problems.

  • Destruction, loss, theft, or breakdown of buildings, equipment, tools, and other commercial property
  • Property damage or injuries that result from one of your products or your operations
  • Employee injuries
  • Auto accidents involving your vehicle fleet

For these reasons, and because of many other unfortunate circumstances that can occur, you need garden maintenance service insurance to protect your assets.

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What Does Garden Maintenance Service Insurance Cover?

If you own a garden maintenance service, you need a variety of business insurance policies to help you cover your losses when certain problems occur.

  • Commercial general liability (CGL) insurance: Covers you when someone accuses you of negligence that results in injury or property damage. These are typically cases where your workers harm someone on a job site or when someone is injured on your commercial premises. This coverage also responds when your business is responsible for some kind of property damage (e.g., you damage a customer’s property while pruning bushes). CGL insurance offers broad coverage for a wide range of liability claims.
  • Commercial property insurance: Protects your business in the event of a property loss due to a covered peril (e.g., fire, theft, vandalism, or storm). It can help you replace equipment, make repairs to your office, shop, or storage facility, and replace damaged property including your lawn and garden equipment and supplies.
  • Business interruption insurance: Reimburses you for lost income and pays for certain fixed expenses (salaries, rents, etc.) if a covered event (e.g., fire, windstorm, hail) forces you to close to make repairs and replace lost property and equipment.
  • Business owners policy (BOP)Bundles general liability and commercial property insurance into one package policy that is likely more affordable than if you purchased both types of coverage separately. Only certain small- to medium-sized businesses qualify for a BOP.

What Other Policies Do Garden Maintenance Services Need?

You’ll need several other policies or policy endorsements to be sure you’re fully protected in all areas of your garden maintenance business. These may include the following.

  • Workers’ compensation insurance: Provides protection for workers who are injured or become ill on the job. There is no doubt that your business comes with a unique set of risks for your employees, from exposure to the elements to heavy lifting, equipment malfunctions, bee stings, poison ivy, toxic chemicals, repetitive motion injuries, and more. You’re likely required by your state to purchase workers' comp insurance, depending on the number of employees you have and your state’s specific workers’ compensation laws.
  • Commercial vehicle insurance: Safeguards your business against the high costs of auto accidents involving your employees and your commercial vehicles. It can cover any vehicle used to transport employees, products, or equipment, and includes passenger cars, company vans, pickup trucks, trailers, and dump trucks. If employees drive personal vehicles for your business, you may need non-owned commercial auto liability insurance as well.
  • Commercial umbrella insurance: Provides excess liability protection to any of several other policies you might have. If a negligence claim leads to an expensive lawsuit that exceeds the limits of your commercial general liability policy, your commercial umbrella policy kicks in with higher coverage limits.
  • Inland marine insurance: Covers your tools, machinery, and equipment from loss or damage while in transit. It is often purchased to fill gaps in your property insurance coverage, as it provides necessary coverage if your business assets are lost or damaged while in storage or on the road. Inland marine coverage will help you replace gardening equipment, tools, supplies, computer equipment, data and accounts receivable, and mobile equipment like trailers that are lost or damaged while in transit or storage.
  • Crime coverage: Protects your business if an employee or a group of employees engage in theft, forgery, or fraud that damages your business. It also offers coverage in cases of shoplifting and vandalism.
  • Environmental liability coverage: Protects companies from the costs associated with damage caused by improperly disposing hazardous waste or causing environmental harm.

How Much Does Garden Maintenance Service Insurance Cost?

Insurance costs are hard to predict for any business, because every business is unique.

Your costs will depend on the type of coverage you need and the coverage limits you require to adequately protect your commercial property and the liability risks that you face.

Insurance companies who specialize in businesses like yours will evaluate your unique characteristics, such as the following information.

  • The location of your business
  • The amount and value of your commercial property (buildings, vehicles, equipment, machinery, tools)
  • The number of employees you have
  • The crime and weather risks in your area

These factors will determine your cost for coverage.

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Benefits of an Independent Agent

You may have some things in common with other businesses, but in many ways your business is unique. Don’t trust your livelihood to a faceless online quote or an insurance company representative who doesn’t know the ins and outs of your business. A local, independent insurance agent will get to know you and your business.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Garden Maintenance Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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