Landscaping professionals work hard to enhance outdoor spaces, but the job comes with its share of risks. While there isn’t specific insurance called “landscaping/lawn care insurance”, business insurance can be designed to meet the specific risks and requirements of landscaping professionals. From accidental property damage to workplace injuries, unexpected incidents can lead to costly financial burdens. The right landscaping business insurance can help protect your company from liability, to help you stay covered and stay operational.
Who needs landscaping business insurance?
If your business involves any outdoor landscaping maintenance, design, or construction, business insurance is recommended. This includes:
- Lawn care and maintenance services
- Tree trimming and removal companies
- Irrigation and sprinkler system installers
- Landscape architects and designers
- Hardscaping and outdoor renovation specialists
Whether you’re running a one-person operation or managing a full team of landscapers, our agents can provide you with information so that you can pick the right insurance for your business. Many states require businesses to carry commercial auto insurance and general liability insurance to operate legally and protect against liability claims (DMV.org).
Note: In certain cases, small-scale lawn care providers using personal vehicles may qualify for a personal auto policy with a Business Use endorsement. Speak to an agent to learn what applies to you.
Why do I need Landscaping Business Insurance?
Working in the landscaping business comes with its share of risks. Unexpected incidents can lead to costly repairs, medical bills, or legal claims. Depending on your coverage, having business insurance may help you dodge financial burdens from a covered accident.
How much does Landscaping Business Insurance cost?
The cost of landscaping insurance varies depending on several factors such as business size, number of employees, types of services, and location.
At Infinity Insurance Agency, Inc. (IIA), our agents will work with you to help you find policies that meet both legal requirements and your business needs.
What Coverage Does a Landscaping Business Need?
Key insurance coverage for landscaping professionals include:
Commercial General Liability Insurance – This coverage may help pay for third-party claims related to bodily injury or property damage. If a non-employee is injured at a job site or your work accidentally damages someone else’s property, Commercial General Liability insurance may help pay the associated costs.
Commercial Auto Insurance – Commercial auto insurance, required by law in most states for businesses that use vehicles for work (NHTSA.gov), provides protection against accidents, property damage, and liability claims.
Business Owner’s Policy (BOP) – Bundles general liability and property insurance into one cost-effective policy designed to protect small to medium-sized businesses from common risks.
Workers' Compensation Insurance – Covers medical expenses and lost wages if an employee is injured or becomes ill on the job.
Though IIA doesn't offer this coverage at the time of this blog’s publication, we believe it’s important for business owners to be aware of this essential protection.
Get a landscaping business insurance quote below!