As a business owner, you are probably already well aware of the many factors and challenges in job type and location with a landscaping business. Each client is unique, and they have different needs, as is each garden or property. To provide the best service, you must be adaptable and able to find the best solution. Because a landscaping job involves many risks and potential issues, it is critical to ensure that yourself, your business, and your workers are adequate.
Understanding Landscaping Insurance
Landscape insurance is a broad term that comes in many forms, all of which are required and a must-have. However, those just starting in this industry prefer to get only the most valuable. If you want to know the different types to consider, read on.
- General Liability Insurance. This is the most common type of coverage for landscapers. It helps protect against work-related injuries, property damage, and other liabilities like asset damage. General liability coverage is the most basic and will be calculated based on your work, equipment value, staff lineup, etc.
- Commercial Auto Insurance. Landscaping vehicles are covered by commercial auto insurance. This will also include smaller vehicles like ride-on lawnmowers, utility vehicles, storage trailers, trucks or vans, or debris-removal trucks. Ask your provider about the coverage you need, which can protect your vehicles in the field.
- Worker’s Compensation. Worker’s compensation is required if you have one or more employees earning a taxable income. This does not apply to subcontractors, freelancers, or volunteers. If your employee is injured at work, you can help them recover from medical expenses and reduce the risk of litigation.
You will be at ease knowing that any inevitability has been assessed and covered by landscaping insurance. This allows you to focus on the quality of your work while also ensuring you are operating ethically and legally. Even if insurance were entirely optional, these outcomes would be worth the insurance costs.
