When you’re running a lawn and garden business, you’ve got a lot on your plate. From maintaining lawns, landscaping, and even tree trimming, the last thing you want to worry about is what could happen if something goes wrong on the job. That’s where business insurance for lawn and garden contractors comes in.
General liability insurance helps cover the risks associated with accidents or damage that can occur while you’re working. If a client slips on a wet lawn or you accidentally damage a customer’s property, this insurance has your back.
Example: While mowing a client’s yard, a rock flies out from under the mower and shatters a nearby window. The general liability policy would cover the repair costs, saving you from paying out-of-pocket.
If you’re driving a truck, van, or trailer to haul your gear from site to site, commercial auto insurance is a must. This policy covers accidents, injuries, or damage that may occur while using your vehicle for business purposes.
Example: While en route to a job, you accidentally rear-end another car. Your commercial auto insurance would handle the repair costs for the other vehicle, plus any medical bills if the driver is injured.
Your tools are the backbone of your business, and losing them can mean losing income. Tools coverage ensures that if your equipment is stolen, damaged, or lost, you can get back to work quickly without financial strain.
Example: After finishing a job, you realize that your hedge trimmers and leaf blower have been stolen from your truck. Tools coverage would pay for the replacements, helping you avoid costly delays.
If you have employees, workers comp insurance is necessary. It covers medical expenses and lost wages if an employee is injured while on the job. Whether it's a sprained ankle or something more serious, this policy ensures your team is protected.
Example: An employee falls off a ladder while trimming a tree and injures their back. Workers comp insurance would cover their medical bills and provide compensation while they recover.
For nearly 20 years, USA Insurance in Burbank, CA, has provided commercial insurance to businesses like yours. With agents licensed in all 50 states, we’re here to ensure your lawn & garden contracting business is protected. We get what you do and are committed to covering your business, so you can keep those lawns looking sharp.
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