Lawn Mulching Service Insurance

Lawn Mulching Service Insurance 101

How business insurance protects your livelihood

Man spreading mulch around hosta plants in garden. Find lawn mulching service insurance.

Lawn mulching services typically offer mulch delivery and installation as well as other services like shrub cleaning, spring and fall yard cleanup, and general landscaping services.

Lawn mulching services face a variety of potentially costly risks. If something goes wrong while you’re delivering or installing mulch at someone’s home or at a business, the consequences can be devastating. But lawn mulching service insurance can help you cover your losses and protect your business.

A local independent insurance agent can help you assess your risks and find the right business insurance policies that are tailored to your industry.

Why Do You Need Lawn Mulching Service Insurance?

When you work on someone else’s property, you expose both your customers and your employees to injuries and other problems. Lawn mulching service insurance protects you from financial losses related to these problems, including:

  • Damage to a client's property during the course of your work
  • Property losses (losses to tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism
  • Lawsuits
  • Motor vehicle accidents

If someone sues you after you cause an injury or property damage, you’ll have to pay for your own legal fees. And if you sustain damage to your own property, you’ll have to pay to repair or replace it. That’s where your lawn mulching service insurance plays an invaluable role.

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General Liability Insurance for Lawn Mulching Services

Commercial general liability (CGL) insurance is essential for lawn mulching services. It protects you against any third-party injuries or property damage that may occur in the course of doing business. CGL insurance offers broad protection for a wide variety of negligence claims and lawsuits.

It protects you from having to pay out of pocket for damages or legal fees if your services happen to cause damage to any of the homes or businesses that you work on. It also covers you if you injure a customer, a bystander, or anyone who visits your business premises.

Do You Need Other Types of Liability Insurance?

You are likely to need to invest in several other types of liability insurance in order to ensure that you have no gaps in your lawn mulching service insurance coverage. Consider the following types of policies:

  • Commercial vehicle insurance: Covers your cars, trucks, and any other vehicles that you use for business. In addition to liability coverage, it provides collision, comprehensive, and uninsured motorist coverage. If you have employees who drive personal vehicles for business purposes, talk to your insurance agent about your need for non-owned auto liability insurance.
  • Commercial umbrella insurance: Provides supplemental liability protection beyond the limits of certain other liability policies. This policy can be invaluable for that once-in-a-lifetime judgment rendered against you.
  • Employment practices liability insurance: Covers you if an employee sues you for discriminatory employment practices.

An independent insurance agent can help you customize these policies for your unique needs.

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Property Insurance for Lawn Mulching Services

Commercial property insurance protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril.

If you sustain property damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.

You may also need additional property coverage for your lawn mulching business. Talk to your independent insurance agent about your need for the following:

  • Employee crime and dishonesty coverage: Protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
  • Inland marine insurance: Covers tools, equipment, and supplies when they are in transit. And if any of your tools are stolen from a job site, inland marine insurance will cover the cost of replacing them.

These policies can be tailored to your unique needs.

Why Do You Need Workers’ Compensation Insurance?

Accidents involving your workers can happen at any time. If one of your employees gets injured while on the job, you’re responsible for paying for their medical expenses. What’s more, they may not be able to work until fully recovered, leaving them without their income.

Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and provides income protection for an injured worker while they are unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

How Much Does Lawn Mulching Service Insurance Cost?

Your costs for lawn mulching service insurance will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether you own your building, and how many trucks, plows, or other commercial vehicles you own and operate.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with lawn mulching services and other similar businesses 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 that 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 Lawn Mulching 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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