If you’re a landscaper, you shape the earth around you to create picture-perfect views. You prepare the land with your bare hands to produce beautiful scenery. Yet, you need more than just your bare hands to keep your business protected. Whether you work alone or you have employees who operate with you. A strong landscapers insurance can protect you, your employees, and your business from losses or lawsuits.
Determine who needs landscaper insurance
- Landscapers
- Groundskeepers
- Gardeners
- Irrigation technicians
- Field technicians
- Well drilling contractors
- Tree removal professionals
- Arborists
Types of landscapers insurance:
It’s necessary to know and understand your risks as a landscaper and fund measures that aid your business recovery. During the event that losses or damages occur. Below is a list of some of the vital landscaping insurance coverages to consider when creating your policy.
- Commercial General Liability
- General Liability encloses property damage or bodily injury to third parties. Specifically, entities or people other than your business or employees. Property damage and third-party injury are the greatest threats exposed in the lawn care business. With lawsuits and claims that can overpass hundreds of thousands of dollars.
- Commercial Property Insurance
- Commercial property insurance cover assets like your tools, equipment, and building. Nursery inventory of trees, plants, and shrubbery. The distinct coverage is based on the policy, yet most pay for losses from events like:
- Theft
- Fire
- Windstorms
- Hail
- Vandalism
Other events are usually covered, so you have to ensure to clarify coverage with your insurance broker or agent.
- Employee Protection
- The landscaping lifestyle is not for everyone, it’s becoming harder to find skillful employees. That is great with their craft, you can attract talented employees by protecting them and their families. Some benefits plans comprise dental coverage, extended health coverage, and life insurance.
- Commercial Vehicle Insurance
- Commercial vehicle insurance pays for the other property damage or party’s injuries. If your employee or you cause an accident while heading for work. Yet, that’s only liability coverage, and it’s the least needed in most states. Landscaping business owners can choose a coverage that pays for damage to roadside assistance. Their vehicles, their medical bills, and those of their passengers.
