Landscaping Insurance: Protecting your business and assets.
If you work as a landscaper, insurance can safeguard you and your financial stability by providing coverage against losses and legal actions.
Click on one of the below topics to unpack your Contractor Insurance:
Landscaping involves a significant amount of work and strategic planning, whether it’s for small residential projects or large commercial properties.
Liability coverage provides financial support if you are held legally liable for bodily injuries or property damage caused by your products, services, employees, or incidents on your premises or at a customer’s location.
Tools & Equipment
Tools and equipment insurance provides protection for portable items such as mowers, trimmers, and rollers that are taken from your home base to different client locations. This coverage helps you repair or replace your essential equipment if it’s damaged, destroyed or stolen, including hand tools; equipment, such as saws or compressors; stock; supplies.
Although not every construction project has a massive environmental impact, the liability for environmental damage is increasing. Failing to secure pesticides and fertilizers, for example, can cause extensive harm in the future.
Pollution liability insurance covers expenses related to clean-up, bodily injuries such as respiratory illnesses, and property damages like water damage caused by pollution or toxic substances generated during work on an insured construction site.
The appropriate Commercial Auto Insurance plan can protect you, your vehicle, and the transported items. As part of your work, you likely have vehicles specifically used for commercial purposes.
Commercial auto policies safeguard any vehicle for transporting people, tools and equipment, and materials.
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Commercial general liability insurance (CGL) for landscaping and excavating.
One of the most essential insurance policies for landscapers is Commercial General Liability Insurance (CGL). This insurance protects against claims alleging third-party injuries or property damage from your business activities. Whether it’s a slip-and-fall accident or damage to a client’s property, CGL can cover the legal fees and medical expenses, regardless of the lawsuit outcome.
Do I need insurance if my landscaping company only offers lawn care services?
Even though cutting grass seems like a low-risk service, there is always a possibility of facing third-party bodily injury or property damage claims or lawsuits. Without insurance, you would be responsible for shouldering the cost of these claims, including legal defence expenses, if you need to hire a lawyer.
Does your business renovate interiors and exteriors?
Insurance that aligns with your specific requirements and potential risks is crucial for exterior and interior renovation. This includes protecting against liability exposures, covering mistakes, and safeguarding your tools, equipment, and commercial vehicles. If you want information about renovation insurance, check out our product page.