Just as with any contracting business, the landscaper is subject to a broad variety of potential injuries and risks every day on the job. From accidents to toxic plants to liability for property damage, there are a lot of potential pitfalls to being in the landscaping business. That is why it is vital to carry adequate insurance for your landscaping company.
Landscaping insurance includes a number of different kinds of coverage which you can carry separately or in a package. These include coverage for general liability to protect you in case you are sued, coverage for workers’ compensation if you have employees in your company, insurance for vehicles and equipment that you use in the course of your business and other specialized coverage.
Who Should Be Covered
If you have any sort of lawn care or landscaping business you may need at least some sort of protection. Such businesses can include, but are not limited to:
- Tree pruning and removal
- Arborist companies
- General landscaping firms
- Landscaping architectural and design businesses
- Contractors for lawn irrigation
Every state has its own legal requirements. Check your local and state requirements to see what kind of coverage you need.
General liability insurance is something that any business should have, contractor or not. It is the fundamental portion of your insurance coverage. It protects you against lawsuits that could arise if you have an accident that damages someone else’s person or property.
Usually, general liability is bundled into a business owner’s insurance policy, which also includes other forms of coverage. Whether you need to go beyond liability depends on the needs of your company and the kind of work you do.
Workers’ Compensation Insurance
Workers’ comp is a must-have if you have any employees on staff. In fact, it is the law that you carry this kind of insurance. It is in place to protect you and cover your workers should they suffer an injury on the job. It will cover their medical costs, lost wages and recovery and defend you against lawsuits that may otherwise be filed.
Many small business owners make the mistake of believing their personal vehicle insurance will cover them if they should have an accident in the course of work. This is very much untrue. If you plan to use your car in your business, you need to carry separate coverage. In addition, if you have any heavy equipment such as forklifts, shovels or back hoes, you will need to have this equipment covered. Whether it’s business auto coverage, truck insurance or coverage for dump trucks, trailers or other construction vehicles, you should be sure you have robust insurance in place.
Many small businesses do not consider the costs of insurance, or more accurately, the costs of not having insurance. It is vital to have the right coverage in place to protect you, your employees and your clients from costly damages. If you need an insurance quote, take a look at our services and products, and drop us a line to get started today.