Your landscaping supplies and equipment aren’t kept in a secure area with a perimeter fence to keep the public out. Most of the time, you are working in public with people all around you. The specialized equipment required for your landscaping or lawn care firm adds to the potential of the employee or third-party injury.
You’ll need insurance designed specifically for landscapers to secure your business. Here are some best landscaping insurance choices to think about for your company.
- Commercial Auto Insurance
Any vehicles you use for your landscaping business are not covered by your personal auto policy. In the case of a motor accident, you’ll need commercial auto insurance to protect yourself against costly property damage, medical expenditures, and legal fees. If your employees use their own automobiles to conduct business, your commercial auto policy can even supplement their personal plans.
- Workers’ Comp
Workers’ compensation insurance protects your landscaping firm by providing medical treatment and reimbursement for lost time or impairment to your employees. With the right insurance in place, your company will be able to cover any unforeseen medical costs, court costs, or settlements that may emerge as a result of an accident.
- Inland Marine
Landscaping companies and lawn care specialists carry equipment, tools, and supplies on a regular basis while they provide services to their customers. While in transportation from one job to the next, Inland Marine safeguards your mowers, sheers, weed eaters, and other expensive instruments of the trade from unintentional loss, theft, or vandalism.
When it comes to establishing a business, lawn care and landscaping professionals have unique challenges. Your customers rely on you to maintain their homes, offices, and city streets clean, which means you’re working on their turf. When you run a firm that focuses solely on your client’s property, you’re in a unique position to face a higher risk of accidental property damage.
