Landscape Installation Service Insurance

Get Small Business Insurance for Your Landscape Installation Service

What coverage do you need?

Landscape Installation Service Insurance

Landscape installation services can experience accidents, worker injuries, and lawsuits that can quickly take a bite out of profits and make it difficult to stay afloat. Business insurance helps you cover financial losses associated with these kinds of problems.

An independent insurance agent in your city can help you find customized landscape installation service insurance that help you protect your livelihood.

Why Do You Need Landscape Installation Service Insurance?

Your business is exposed to a variety of unique risks. You need landscape installation service insurance protection for the following issues.

  • 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

Landscape installation service insurance can help protect your business from these risks, as well as many other unfortunate circumstances that can occur.

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What Does Basic Landscape Installation Service Insurance Cover?

You’ll need a variety of business insurance policies to adequately cover your landscape installation service.

  • Commercial general liability insurance: Offers broad coverage for a wide range of liability claims where you may be accused of negligence. These are typically cases where someone is harmed on your premises or by your workers on a job site, or when your business is responsible for some kind of property damage (e.g., you damage a customer’s property while installing shrubs).
  • Commercial property insurance: Protects your business in the event of a 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 equipment and landscaping supplies.
  • Business interruption insurance: Reimburses you for lost income and pays for certain fixed expenses (e.g., 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.
  • Extra expense coverage: Pays for non-ordinary expenses (e.g., buying or leasing equipment for a temporary site, paying overtime, hiring temp workers) that are above and beyond your normal operating costs if you can’t operate out of your usual location or if your equipment is damaged from a covered event.
  • Business owners policy (BOP)This policy bundles general liability and commercial property insurance into one more affordable package policy than if you purchase both separately. Only certain small- to medium-sized businesses qualify for a BOP.

What Other Policies Do Landscape Installation Services Need?

You’ll need several other policies or policy endorsements to be sure you’re fully protected from all of your risk exposures.

  • Workers’ compensation insuranceProvides 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.
  • Commercial auto insuranceSafeguards 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. 
  • 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, equipment, 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. 
  • 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.

These and other policies and policy endorsements can be customized to cover your unique risks, and together make up a large portion of a comprehensive landscape installation service insurance program.

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How Much Does Landscape Installation Service Insurance Cost?

Landscape installation service insurance costs will vary depending on the size of your business, your location, the number of employees that you have, and how much commercial property (buildings, tools, and equipment) that you have.

Benefits of an Independent Agent

An independent insurance agent who has experience working with landscape installation services and other businesses like yours can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

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 Landscape Installation 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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