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From managing small backyard projects to large-scale outdoor commercial spaces, working in the landscaping industry requires long hours of hard labour and careful planning. Liability coverage covers any costs, including defence costs, if you are found to be legally responsible for injury or property damage due to your business operations on and off the property.
While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.
Coverage for Tools
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Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.