11 Jun What Kind of Insurance Is Needed For A Landscaping Business?
What Kind of Insurance Is Needed For A Landscaping Business?
Landscaping businesses can vary significantly from business to business. Some landscaping businesses trim trees, some do landscaping construction, and others may just do light gardening and mowing. Regardless of the type of landscaping your business does, it is important your business is properly insured.
What Kind of Insurance Is Needed For A Landscaping Business? General Liability
General Liability is affordable and provides a lot of coverage in case your business operations cause property damage or bodily injury.to a third party. There is really no reason not to carry a General Liability policy. In addition to the Liability portion, you can often add coverage for your tools and equipment as an endorsement on the policy. In addition to protecting yourself, General Liability is often a requirement when bidding on jobs. This is one of the few policies out there that may actually be helpful in
getting more business.
What Kind of Insurance Is Needed For A Landscaping Business? Commercial Auto
Many landscaping businesses have dedicated vehicles for the business. These vehicles should not be insured under a personal auto policy. What you need for this is a Commercial Auto policy, sometimes referred to as a Business Auto Policy. Not only is this the correct coverage to have for your business vehicle, it can often include additional coverages that you would not find on a traditional personal auto insurance policy.
What Kind of Insurance Is Needed For A Landscaping Business? Workers Comp
Landscaping businesses tend to have several employees to assist with a wide variety of duties. It is your requirement, to carry Workers Comp for every one of these employees. This is especially important because landscaping is notorious for having injuries like strained muscles, exhaustion, etc. These medical costs, if caused by work, are covered by Workers Comp. Workers Comp for landscaping can be expensive, but that does not mean it can’t be affordable. There are several ways we can assit you in helping lower the cost.
Would you like assistance lowering your Workers Comp rates? Do you want to discuss your Business Insurance needs? Give us a ring!
You can reach our Landscaping Insurance specialist at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.