(888) 900 0205Landscaper Business Insurance
As a landscaper, your hands are full juggling projects, maintaining tools, and keeping clients happy. But what happens when an accident happens on-site or you damage a client’s property? Operating without proper business insurance could put your entire operation—and your personal assets—at serious risk. Here’s why securing business insurance is not just a smart move, it’s essential.
General Liability Insurance for Landscapers
General Liability (GL) Insurance is the foundation of any landscaper’s business protection. It shields you from the most common risks—bodily injury, property damage, and personal injury claims that could arise from your day-to-day operations.
Here’s what’s typically covered under GL:
- Each Occurrence: Covers damages per incident, such as someone slipping on a freshly watered lawn.
- Damage to Rented Premises: If you lease a space for your tools and operations, this helps cover damage to the property you rent.
- Medical Expenses: If someone is hurt on the job site, this helps pay for their medical bills.
- Personal and Advertising Injury: Covers claims of slander or defamation related to your business.
- General Aggregate: The maximum your policy will pay for all claims during the policy period.
- Products/Completed Operations: Protects you after the job is done if your work causes damage later, like a patio that cracks due to improper installation.
Business Owner’s Policy (BOP) for Landscapers
A Business Owner’s Policy (BOP) combines general liability and property insurance in one convenient package, offering a well-rounded option for landscapers. It not only protects you from liability claims but also covers damage to your tools, equipment, and business property.
BOP Coverage:
- Property Insurance: Protects your equipment, tools, and any business property from theft, fire, and other types of damage.
- Liability Insurance: Covers the legal costs and damages if you’re sued due to an accident or mistake on the job.
Claim Example: One landscaper stored their expensive lawnmowers, trimmers, and leaf blowers in a shed that was damaged in a fire. The BOP coverage helped them replace the destroyed equipment, allowing their business to recover quickly.
Workers Compensation
If your landscaping company has one or more employees, you are required by law to carry workers comp insurance. Workers comp covers you and them if there is an injury on the job. Workers comp will cover hospital expenses if an employee is injured at a client’s job site. It will also cover temporary or permanent disability for injuries that occur while conducting work specific activities. If needed, workers comp takes care of lost income and job retraining among other things.
Claim Example: One worker was injured when a tree limb fell during trimming, resulting in a back injury. The worker filed a claim for workers' compensation, which paid for their medical treatment and covered their lost wages while they recovered.
Tools and Equipment Coverage for Landscapers
Now, let’s talk about your gear. Landscaping requires heavy-duty tools that can be costly to replace if they’re damaged or stolen. Tools and Equipment Coverage ensures your business doesn’t take a financial hit when unexpected events strike.