As a landscaper, the types of risks you face are as varied as the job sites you visit. There is always the potential for financial loss, not only due to the nature of your work but also because of the general risks of running a business. At Vanyo Insurance Group, we know what it takes to minimize your vulnerabilities and better protect the financial assets of your business. Whether you are cleaning up after a big storm, treating a yard with complex chemicals, or simply mowing and edging, we can provide coverage that follows you from job to job and virtually everywhere in between.
We offer coverage for many different types of landscaping specialties and services, including:
- Tree trimmers
- Landscape designers
- Irrigation contractors
- Tree surgeons
- Commercial gardeners
- Mowers
- Seasonal/Odd Job Workers
- And more
Does Your Business Need Landscaping Insurance?
Generally, all landscaping businesses need insurance, although the types and amounts of necessary coverage may vary depending on various risk factors. Not only are there certain coverages that may be mandatory by law, but you may find that certain clients – particularly commercial clients – will only higher landscaping contractors who are adequately insured. Furthermore, landscape work is challenging and sometimes dangerous. Working with any type of heavy equipment and hazardous materials is risky, not to mention the potential for liabilities and professional errors. Having the right landscaping insurance could protect you against losses and support the continuity of your business despite covered legal or financial complications that might otherwise cost you everything.
Landscape Insurance Coverage Types
At Vanyo Insurance Group, we are diligent to match our clients’ landscaping coverage to their unique risks. We consider many different variables when calculating your coverage needs, including:
- The types of services you provide
- The number of employees you have
- The size and scope of your business
- The types of equipment and hazardous chemicals you work with
- The number of vehicles you use for business purposes
- The value of your commercial assets
- And more
Based on your individual risk profile, we may recommend commercial landscaper insurance protection that includes several coverage types. Examples include:
General Liability Insurance
This type of coverage is designed to protect your business against the risk of third-party negligence claims. For example, if you are sued for creating a drainage problem on a client’s land, killing a tree, or accidentally injuring a client’s pet, general liability insurance can help pay for your legal fees and any financial responsibility you have for the damages up to the limits of your policy.
Workers Compensation Coverage
As helpful as your landscape workers are, they are also a source of risk. If one of them becomes injured on the job, workers compensation insurance can help protect your business by providing no-fault coverage for medical expenses and lost wages.
Property Insurance
Commercial property insurance protects the physical assets owned by your business, from your tools and equipment to your office supplies and computers. It can also cover physical structures, signs, furnishings, and more if your business works from a commercial location. Generally, property insurance coverage is limited to losses caused by certain types of events, such as theft, inclement weather, fire, and more. However, there are certain types of events that may not be covered, so be sure to talk to your independent agent about the types of protection you expect from your policy.
Commercial Auto Insurance
If your commercial vehicle is damaged in a car accident, make sure you have coverage that helps pay for the damages. Commercial auto insurance can compensate you for vehicle-related losses due to collisions and many non-collision events like hail, fire, theft, and vandalism. It can also help cover your company’s liability for third-party injuries and property damages, as well as the cost of defending your business in court if you are sued for compensation of auto accident-related losses.
Inland Marine Insurance
One of the biggest risks lawncare companies face is related to the transport of tools and equipment. Without these assets, you cannot perform the functions of your job. However, the process of moving expensive property from job site to job site puts your business at risk. With inland marine coverage, you can protect your tools, equipment, and other property while it is in transit or on location at a client’s property.
Business Income Coverage
If your business is forced to close or otherwise diminish usual operations due to a covered property loss, your business income coverage can help temporarily compensate for your lost income.
Commercial Umbrella Insurance
Many business owners prefer the extra security that a commercial umbrella insurance policy can provide. With this coverage, your business can gain millions of dollars in supplemental liability protection that pays benefits when lawsuit costs and liability damages exceed the limits of a primary general liability insurance policy.
BOP Insurance
Ask your independent agent about a business owners policy (BOP) and whether it could be right for your landscaping business. This type of coverage bundles general property and liability risks together for convenience, as well as to provide savings to small business owners who qualify for this type of coverage.
Request Your Free Landscaping Insurance Quote
As a landscape business owner, you have a tough job. At Vanyo Insurance Group, we want to do our part to help make it a little easier. As an independent agency, we do the comparison shopping for you, exploring landscape insurance options from multiple carriers ready to compete for your business. We can offer support, advice, and a hassle-free experience that allows you to spend less time worrying and more time doing what you do best. We can cover a wide range of risks, from injuries and property damages to employment practices liability, advertising injury, and more.
To find out more or request your free landscaping insurance quote, contact our office today. We look forward to serving you soon.
