As a landscaper, having the right insurance coverage is essential to help protect your business and yourself from potential liabilities. Lawn care and landscaping services involve a certain level of risk, and without proper insurance coverage, you could be putting both your livelihood and your financial security at risk.
Whether you’re self-employed or own a small business, if you provide landscaping or lawncare services for a fee, you need to consider general liability insurance and commercial auto insurance. It can make all the difference.
Do I Need Insurance for My Landscaping or Lawncare Business?
Many states require landscapers, lawncare professionals and other types of contractors to carry various types of insurance such as general liability, commercial auto, or workers’ compensation.
Landscaping is one of the many jobs that fall into the category of “Artisan Contractor.” These contractors typically provide a skilled service or improvement to their customer’s business or home. They have specialized knowledge that helps them perform a single job or trade. Along with landscapers, other examples of artisan contractors include:
- Janitorial or cleaning services
- Cabinet installers
These are only a few examples of an artisan contractor. If you think you might fall into this category and are hired to perform the job, give us a call at 844-358-5605. We can help you determine if you need general liability, commercial auto or other insurance policies to help protect your business.
Weeding Out the Risks in Your Landscaping Business
Consider this case. A small lawncare business, with only a 3-person crew, accepts a new residential customer for a spring clean-up. As part of their agreement, the business agrees to prune and trim trees and shrubs. While pruning dead branches off a mature tree, a branch falls and lands on the customer’s car parked in the driveway.
It was an accident, but the business is still liable for damages to the car. A general liability policy would have helped cover repair or replacement costs of the vehicle for the small lawncare business if they had it.
General Liability Insurance and How it Can Help Protect Your Landscaping Small Business
General liability insurance can provide a wide range of coverage for a landscaping business. Some benefits include coverage for:
- Medical payments, if someone other than an employee is injured and you are liable to pay
- Property damage, if you accidentally cause damage to a customer’s property
- Advertising injury, if you’re sued for your advertising containing stolen ideas, copyright infringement, or being invasion of privacy, libel, or slander
- Legal fees, if you’re sued and hire an attorney to represent you
- Slip-and-fall, if someone other than an employee falls at your business and you are found liable to pay
There are other things an artisan contractor general liability policy may cover. Policies vary, so it’s important to talk to a pro to get the right amount of coverage to help protect your business needs.
Artisan general liability insurance only provides liability coverage. It doesn’t cover equipment, tools or work vehicles. However, an InsureOnline agent can help you cover your tools and equipment with an endorsement. You may also need commercial auto insurance for your work vehicle.
Commercial Auto Insurance and How it Can Help Protect Your Work Vehicles
Most landscapers and lawncare businesses use trucks and other vehicles to transport their equipment to the customer’s location. If you are relying on your personal auto insurance to keep your protected, it may not because most personal auto insurance policies will not cover driving that is related to business.
However, commercial auto insurance does help cover work-related driving. Commercial auto policies cover cars, trucks, vans and other vehicles your landscaping business uses, including almost any type of trailer you pull.
Here’s a general list of coverages that can be included in a commercial auto insurance policy:
- Bodily Injury Liability
- Property Damage Liability
- Uninsured Motorist
- Comprehensive Physical Damage
- Collision Coverage
Whether you use one vehicle or are responsible for a fleet, our InsureOnline agents can help find you the right amount of commercial auto insurance coverage.
We can shop for quotes for you with insurance carriers such as First Chicago Insurance Company, Next Insurance, Progressive, and State Auto for a commercial auto insurance plan that helps meet the needs of your landscaping business.
Get Insurance for Your Landscaping Business Today!
As a landscaper or lawncare professional, you help your customers maintain their property. Here at InsureOnline, we make it simple for you to get general liability insurance and commercia auto insurance to help protect your business.
We’re happy to help you figure out what protection is required and at a price that makes business sense. Give us a call at 844-358-5605 or fill in our simple form to get started.
InsureOnline.com is a digital insurance agency that provides affordable insurance to consumers who want to shop and purchase insurance online while still having the option to work with an agent if they wish. The agency offers auto, home, life, health, and commercial as well as other specialty lines of insurance. Our goal is to provide an easy, fast, convenient, and safe online shopping experience for consumers looking for the best price by utilizing all the latest and greatest technology. Based in Bedford Park, IL, we are licensed to write business in many states and have a multilingual staff licensed and certified in a variety of insurance lines. We partner with many highly rated insurance companies to provide the best insurance solutions to help meet your individual needs and your budget. Buy insurance online or talk to a licensed insurance agent! It’s your choice.
The general and educational information here supports the sales, marketing, or service of insurance policies. Individuals should seek advice from their own qualified and duly licensed independent tax or legal advisors based upon their own particular circumstances.