Go for a seasonal coverage to match your slow as well as busy times of the year. Injuries can happen anywhere, including those relating to landscapers .They can cause injuries or damage your client’s property. Such injuries can lead to long lawsuits and substantial financial loss. This is where landscaping insurance can help protect you and your business from such situations. Landscaping insurance may include general liability, employees’ compensation, and commercial auto insurance.
Types of landscaping insurance covers
1. General liability insurance
General liability insurance (also referred to as GL) is an essential part when it comes to landscaping insurance. It is intended to provide you with protection against any lawsuit and financial liability that may arise from events, such as accidents and other mishaps.
General liability is often bundled with a range of other insurance coverages in a Business Owner’s Policy (BOP). But, your business might be eligible to be covered by landscaping insurance with GL coverage via the Progressive Advantage Business Program (PBP) without having to get a full BOP. So, it is important to check eligibility with your insurance provider.
2. Workers’ compensation insurance
Workers’ compensation insurance is intended to cover the medical costs as well as part of the lost wages for a member of your staff who has become ill/ injured while on duty.
3. Landscaping insurance for vehicles
This is a customized auto insurance cover intended to provide landscapers with continuous coverage all through the year. This allows you to save money on premiums and protects you against costly breaks.
4. Surety bonds
Surety bonds are intended to guarantee your work. They are designed to guarantee specific prices, explicit service level, as well as a specific project.
Landscaping Insurance: Why It is vital
As a professional landscaper, you have many things to track .Since most of the work you do is performed at the client’s location by your employees, it is vital that you stay on top of everything to ensure that your business succeeds. With these multiple locations, your employees, as well as your clients’ properties,might be at risk .And if you don’t have the right insurance cover, such risks might lead to business closure.
Landscaping insurance: Ideal for?
Most landscaping startups could benefit from this type of insurance. They include:
- Landscapers and tree trimmers
- Arborists and lawn irrigation contractors
- Landscape architects and designers
- Lawn irrigation contractors
The legal requirements for landscaping insurance may vary from country to country and state to state. So, ensure you conduct enough research so as to land liability insurance that adequately protects you and your business from unforeseen risks.
Scope of general liability insurance policy
General Liability Insurance may cover bodily Injury, property damage, and personal injury.
Bottom line
Don’t let risks arising from your work overwhelm you? Let a reputable insurance company take care of these risks. Remember, without a proper and comprehensive cover, you might end up closing your business .So, if you value it, insure it today!
