Landscaping
As a landscaper, your days are likely spent working closely with clients outdoors. When you’re on the go, the last thing you need to worry about is your insurance coverage. However, a standard business insurance package may fall short. A comprehensive landscaping services insurance program should account for everything – from your equipment and employees to the specialized risks inherent in your profession.
Workers’ compensation insurance for landscapers is a must
Workers’ compensation insurance is a necessity, but the details can vary by location. Given the physical demands, exposure to chemicals, and the skill required in landscaping, the risk of employee injuries or fatalities is heightened. Robust workers’ compensation coverage is crucial for protecting both your business and your employees. It’s essential that your insurance company is informed about job site locations to ensure accurate and comprehensive policies.Go beyond basic General Liability
For landscapers, the need for general liability insurance is nuanced. Much of the work is carried out on clients’ properties, introducing unique risks. Potential damages range from accidental harm to expensive structures like patios to clients tripping over equipment. Hazardous spills from chemicals and liability for subcontractors’ actions further emphasize the complexity. General liability insurance becomes essential to address these specific challenges and protect your business from potential claims.Other business insurance policies should be considered.
Landscaping services insurance programs should extend beyond the fieldwork to address essential business aspects. Cyber liability insurance safeguards against data breaches, while commercial property insurance is vital for owned equipment and office spaces. Additionally, including coverage for employee theft and employment practices liability is crucial for unforeseen challenges.
Contact us today to discuss your landscaping services insurance needs and ensure comprehensive protection for your business.