Insurance for Landscaping Companies

Insurance Quotes for Landscaping Companies

What a landscaping business owner might pay to cover their business can depend on a few different factors, such as:

• The number of employees your business has
• Where your business is based out of
• The value of your equipment

Coverage types and limits will also determine your annual insurance costs, as may other relevant factors. You can request a custom quote by filling out our online form here, or you can call one of our local offices to start the process.

Why Do I Need Insurance as a Landscaper?

You probably know by now that jobs can be unpredictable. A stray rock from a mower could damage a customer’s vehicle. Your tools could be stolen. One of your employees could damage someone else’s property accidentally.

As a landscaping company, you may need more than one type of insurance. You should discuss your business’s needs with an independent insurance agency like ours. At Cross Insurance, we work with over 100 insurance carriers, which means more options for our customers.

What is General Liability Insurance? Why Would I Need It?

General liability coverage applies when you or your company negligently causes injury or property damage to a third party, such as a customer. Some customers will require this coverage before they agree to work with you.

As an example, if you should trim a tree and the branch falls on a customer’s roof, this insurance coverage could help pay for costs associated with the roof damage.

Most policies also offer protection against personal and advertising injury. If you find yourself in a lawsuit for libel, slander, copyright infringement, or other related issues, your policy may buffer you from these costs. Be sure to review your policy carefully with an insurance agent to see what is and is not covered.

Workers’ Compensation

If your landscaping company has any employees, you may be legally obligated to maintain workers’ compensation insurance. This coverage helps to provide compensation for medical expenses for employees who have work-related injuries or illnesses. It can also help to cover a portion of an employee’s lost wages if they are medically unable to work because of a covered injury or illness. If you have questions or would like additional information about workers’ compensation insurance for your landscaping company, contact your local agent today.

Commercial Auto for Landscapers

If you are using your personal auto insurance to protect your vehicle while you are out, that may not be the best idea. Standard auto insurance policies typically exclude business coverage. A commercial auto insurance policy is designed to address business-related risks. These policies offer many of the same basic and optional coverages you’d find in a standard auto policy, but for business. Basic coverages include bodily injury and property damage liability, as well as chosen protections such as medical payments, uninsured and underinsured motorist coverage, comprehensive, and collision.

What is a BOP?

A BOP,  or business owners policy, is often a solution that makes sense for landscapers. It provides general liability coverage and protection for buildings and contents owned by your company, under one policy.

Policies vary greatly between providers. However, they often include business interruption insurance too. This provides compensation for your loss of income if it results from a covered peril that disrupts your business operation. Common perils usually include fire, explosion, wind damage, vandalism, and smoke damage. It can also include expenses for operating out of a temporary location.

Professional Liability Insurance

Also known as Errors and Omissions (E&O Insurance), Professional Liability Insurance can help protect you and your company if a client or customer believes a mistake you made in connection with providing professional services caused financial loss and decides to sue you. For example, a customer could have unrealistic expectations of your services, or you may miss a deadline.

If you offer advice to customers, you should consider adding this coverage.

Health Insurance for Landscaping Companies 

Whether your company has never offered employee benefits or you are looking for a more comprehensive plan, we can work with our carriers to offer you plan options. If you are looking to offer vision and dental benefits for your employees, we would be happy to discuss options with you. We have relationships with the nation’s leading carriers as well as regional insurers to offer a variety of plans. We’ve helped thousands of businesses throughout the Northeast provide benefits for their employees, and would be happy to work with your business.

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.