• Increase Font
  • Decrease Font
  • Greyscale
  • Highlight Links
  • Regular Font
  • Reset
Wyatt Dowling Insurance Western Financial Group
Click for accessibility options
  • About Us
    • Careers
    • Questions
    • Testimonials
  • Business
  • What We Offer
    • All
    • Car IconCar/Truck
    • Business IconBusiness
    • Business IconHome
    • Life IconLife
    • Boat IconBoat
    • ATV IconOff Road
    • Renter IconRental
    • Travel IconTravel
  • News
  • Find Us
  • Contact Us
Autopac logo

menu

Get a Quote phone Call Us

  • Get a Quote

phone Call Us

The Wyatt Dowling way

What Insurance Do Winnipeg Lawncare Businesses Need?

May 13, 2024

Lawncare businesses can operate in diverse weather conditions, handle heavy machinery, and work in environments with potential risks. To protect against liability and financial loss, lawncare businesses in Winnipeg need to be insured.

Here’s the insurance package that Winnipeg lawncare businesses need:

Commercial general liability (CGL) insurance

Commercial general liability insurance is essential for any business, including lawncare operations. It covers claims for bodily injury or property damage caused to third parties, like clients or suppliers, during the course of your business operations.

For example, if a lawnmower throws a rock and breaks a window, general liability insurance can cover the cost of repairs and any resulting legal claims.

It wouldn’t be uncommon to have $2 million in CGL insurance and more, depending on the size of your Winnipeg lawncare business.

Environmental liability insurance

Environmental liability insurance provides coverage for claims related to environmental damage that may be caused by your Winnipeg lawncare operations. Lawncare businesses sometimes use chemicals like fertilizers and pesticides, which can lead to environmental risks. In the worst case scenario, this insurance can help protect against cleanup costs, fines, and other liabilities.

Lawncare insurance provides a safety net against unforeseen events and helps ensure that your business can continue to operate despite setbacks. By understanding the various types of insurance available and selecting the coverage that meets your specific needs, you can protect your business, employees, and clients.

Commercial property insurance

Even if you don't own a local headquarters, you likely have valuable equipment, tools, and supplies as the owner of a Winnipeg lawncare business. Commercial property insurance protects your business assets from loss or damage due to fire, theft, vandalism, or certain natural disasters. For a lawncare business, this can include coverage for lawnmowers, leaf blowers, trimmers, and other equipment.

Business interruption insurance

Unexpected events like fire or flood can disrupt your Winnipeg lawncare business, leading to a loss of income. Business interruption insurance can help cover lost revenue and additional expenses to get your business up and running again.

This type of insurance is especially important for Winnipeg lawncare businesses, since they typically rely on good weather and seasonal demand. Speak to a Wyatt Dowling business insurance expert to understand what business interruption insurance covers.

Commercial auto insurance

Lawncare businesses often use trucks or vans to transport equipment and employees. Commercial auto insurance covers vehicles used for business purposes, providing protection in case of accidents, theft, or damage. This insurance will help your Winnipeg lawncare business to continue operating even if your vehicle is damaged or involved in an accident.

Equipment breakdown insurance

Winnipeg lawncare businesses rely heavily on specialized equipment. Equipment breakdown insurance covers the cost of repairing or replacing machinery that fails due to electrical or mechanical breakdowns. This type of insurance can help minimize downtime and keep your business running smoothly.

Other News
Insurance for Manitoba Fast Food Restaurants
Insurance for Manitoba Fast Food Restaurants

What to Know about Motorcycle Insurance in Manitoba
What to Know about Motorcycle Insurance in Manitoba

What Insurance Do Retail Businesses Need?
What Insurance Do Retail Businesses Need?

Auto Insurance

Auto

Recreational Vehicle Insurance

Off-Road Vehicles

RV Insurance

RV

Marine Insurance

Marine

Business Insurance

Business

Home Insurance

Home

Renters Insurance

Renters

Travel Insurance

Travel

Wyatt Dowling Insurance

Western Financial

Connect with Us

1-866-245-2779

  Find nearest location

Insurance Choices

All
Auto
Business
Home
Life
Boat
Off-Road
Rental
Travel
General inquiries

Our Company

About Us
FAQ
Careers
Terms of Use
Privacy Policy
Complaints Process
Accessibility Guidelines
Customers Fair Treatment
Western Financial Group
Western Foundation
Western Coast Insurance
Sitemap

Get a Quote


© 2025 Wyatt Dowling Insurance Brokers. All Rights Reserved. Wyatt Dowling is a division of Western Financial Group