Making an outdoor environment more aesthetically pleasing doesn’t just involve shrubs, mulch and river rock. It also involves the use of tools and heavy machinery like lawnmowers and chainsaws. One false move could quickly turn a jobsite from a Pinterest-worthy landscape to lawsuit-worthy accident.
That's why it's important to know about the different types of landscaping insurance available. Our independent agents are here to eliminate the hassle of searching on your own by walking you through a handpicked selection of top policies for you.
Basically, landscaping insurance is designed to protect your business against property damage caused by an employee while on the job, bodily injury to someone (employee or third party) on a jobsite, advertising injury, and products/completed work produced/sold by your company.
Kind of. Any business that deals with customers or sells goods will have contracts, loans or leases that require general liability coverage. Also, almost all states require workers' comp for employees. With those in the bag, it will most likely make sense to go for a full package of coverage.
Any type of business that deals with rocks, grass, trees, dirt, blades and bulldozers should at least have a quick chat with an independent agent about coverage.
Ideal candidates for coverage:
Working outside can be amazing, what with the fresh air, sunshine and exercise. However, it can be a dangerous job with dangerous equipment, dangerous tasks and dangerous materials. If you want to keep your business on the sunny side, the proper coverage will help protect you from whatever misfortune comes your way.
Typically, for small to midsize companies, standard forms of coverage are bundled into a business owners policy (BOP), but you will need additional standalone policies to fully protect the unique risks of landscaping.
A business owners policy will usually include the following:
Standalone policies to consider adding can include the following and more:
The cost of your policy will depend on a number of factors like the size and location of your business, the amount of coverage, and the equipment you use. Landscaping work is considered to be premium is likely be more expensive than for a low-risk business.
For example: If you’re a 3-person mulch ‘n’ shrub crew that doesn’t use heavy equipment, you might be looking at $1,500 per year, whereas if you’re a 20-person company with 4 crews and use earth-moving machines daily, you could be paying $15,000 annually.
Insurance policies can be complex. Searching through options can be confusing, time-consuming and frustrating. An independent agent's role is to simplify the process.
They will make sure you get the right coverage that meets your unique needs and will break down all the jargon so that you understand exactly what you're getting.
Our awesome agents will review your needs and help you evaluate which type of landscaping insurance makes the most sense for your business. They'll also compare policies and quotes from multiple insurance companies to make sure you have the best protection out there.