The best landscaping insurance can offer coverage for your employees and business when something unexpected occurs. You may need some policies to protect you, your employees, and also your business. If you’re a business owner of a landscaping business, you have a lot of duties that make you busy. You should manage the everyday operations of your business and have costly equipment to maintain.
Some of your clients may not let you complete a job or will hold payment once you cannot give proof of appropriate insurance.
Know the types of businesses that must have landscaping insurance
The landscaping industry surrounds a range of lawn care businesses. While a company might concentrate more on general lawn care. Some might be experts in pruning trees or rock gardens. Landscaping policies will normally cover these services:
- Gardening landscapers and general lawn care
- Landscape grading businesses
- Hardscape landscapers
- Landscape contractors
- Landscape designers and architects
- Sprinkler services and lawn irrigation
- Tree pruning and care
- Landscape sprayers, pesticide and herbicide applications
You’ll have to assess the particular duties of your landscaping business. Every state needs licensure or certification to some extent for landscaping businesses.
Types of Landscaping Insurance:
Your landscape business will need various insurance depending on the individual services you provide. At least, your landscaping insurance must likely include:
- Commercial General Liability Insurance
- Commercial liability insurance is a general policy that enfolds other people besides you or one of your employees.
- Commercial Property Insurance
- This covers any physical asset of your building, whether be it your business’s equipment, or building. And inventory that will usually be covered by a commercial property policy.
- Commercial Automobile Insurance
- You’ll maybe want to ensure you have thorough automobile coverage for any vehicles used in your business operations. Having a commercial auto liability policy would assist to pay for injuries or damages to other parties.
- Inland Marine Insurance
- This covers if your business’s tools or equipment are destroyed, stolen, or damaged while being moved. Inland marine insurance will mostly cover those losses.