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As a landscaper, you can face risks like lawsuits, accidents, theft, and vandalism. Do you have business insurance to financially protect your landscaping business?
A pillar of your landscaping insurance is business liability insurance, which provides financial protection for lawsuits like third-party bodily injuries and third-party property damage that usually involves clients or suppliers.
Landscaping insurance protects you in the event of an unexpected event, such as accidentally damaging a customer’s property, having your tools stolen, or a lawsuit being filed against you.
There isn’t a set price for landscapers’ insurance. That will depend on where you are located, services you provide, number of employees, annual revenue, and your experience. Any past claims will also be considered.
Commercial general liability (CGL) insurance
Without CGL insurance for landscapers and landscaping contractors, you will pay costs related to third-party (customer/supplier) injuries or damage to their property out of your own pocket. Legal fees can add up quickly. Can you afford that?
If you were sued, commercial general liability insurance would cover the legal costs to defend the claim against your landscaping business in court, as well as costs to cover damages to compensate third parties whether you win or lose your case.
Risks that commercial general liability insurance cover
It would not be unusual to have $2 million or more in CGL coverage, depending on the size of your landscaping business and services provided.
Remember to check: Your CGL coverage limit may only apply to your full-time landscaping employees.
Errors and omissions insurance protects landscapers from damages related to alleged errors or omissions in the performance of their professional duties or failure to provide professional services. It helps protect you from third-party claims of faulty workmanship or the use of defective materials.
Do you store your customers’ names, addresses, and credit card numbers in your landscaping business’s computer system? This information could be stolen by cybercriminals.
Without cyber liability insurance, you will have to pay for the cost of restoring your computer system on your own.
You may also be liable for damages to third parties whose information has been stolen and you may have to pay for notification expenses to inform customers affected by a breach.
Your landscaping business may use products that could be harmful to the environment or people. Pollution liability insurance protects your landscaping business from third-party bodily injury and property damage claims and environmental liabilities associated with exposure to those products. It also helps cover any cleanup costs.
It replaces or repairs damaged, stolen, or lost equipment and tools, accessories, or other property that you use in your landscaping business.
Anything valued at less than $1,500 is considered a tool and anything above that limit is considered equipment.
It can help keep your business office or workshop protected from property losses, such as theft or vandalism. You can also add earthquake insurance, sewer backup, or flood coverage extensions.
Property you may need to insure:
If there is an insured loss at your business that’s severe enough to prevent it from being open, the expenses associated with getting your business running again will be covered.
Business Interruption insurance usually covers vandalism, fire, wind, flooding, and other risks. It’s important to make sure to understand what this policy covers. This type of insurance will help compensate you for lost income and expenses that you will need to continue paying even when your business is unable to operate.
Protect yourself and start the landscaping season with customized landscapers’ insurance.
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