Insurance For Landscapers
Whether you’re a single landscaper designing and building residential backyards or a large landscaping company that builds municipal parks, being insured is a must. The machinery you use and the work you do can easily injure someone or damage property.
Our insurance packages for landscapers are custom-built to protect you from the risks specific to the work your company does and are brokered by advocates who specialize in insurance for businesses.
Insurance for Landscapers – Liability Protection
Commercial General Liability Insurance
One of the most common insurance policies for businesses, commercial general liability insurance can protect your landscaping company from lawsuits alleging:
- Personal injury, bodily harm
- Property damage
- False advertising
- Libel and slander
In the blink of an eye, a mistake or accident can happen that causes severe harm. If you do have to make a claim based on an insured incident, your CGL policy can provide you with coverage for:
- Medical expenses for injuries to third parties
- Repair or replacement costs for property your landscaping company is responsible for
- Litigation costs including
- Lawyer’s fees
- Other costs to defend a lawsuit
- Out-of-court settlements
- Damages awarded by a court
So if you accidentally hit a service line, damage a client’s vehicle or garage door when clearing their driveway or a plank gives out on a deck you built and your client is injured, a CGL policy could cover the property damage costs, healthcare costs and/or your legal expenses if you’re served with a lawsuit.
Pollution liability protection is crucial for landscapers. It can cover medical expenses for injured third parties who are exposed to contaminants; cleanup costs; fines and litigation costs related to spills, improper waste disposal and contamination by hazardous materials like fertilizers and pesticides.
Commercial Auto Insurance / Commercial Vehicle Insurance
We can provide individual and fleet coverage for your trucks, trailers, vans and any other vehicles owned by your landscaping company that need to be insured.
While it may be tempting to skip this coverage, if a truck you or one of your staff are driving is involved in an accident while on landscaping business, your personal auto insurance will not cover you for the accident – leaving you on the hook for any medical expenses, repair or replacement costs and possible litigation costs.
Depending on your coverage, commercial vehicle insurance can also protect your work vehicles from theft, vandalism and damage that happens on a job site.
Insurance for Landscapers – Property Coverages
Commercial property insurance can cover your:
- Buildings, structures, fences, signage and landscaping on your business property
- Upgrades and renovations made to a leased workspace
- The areas of your home used for your landscaping business that is not covered by your homeowner’s policy
- Hand tools such as shovels, spades, shears, saws, etc.
- Equipment such as mowers, trimmers, power tools, tillers, tractors and more
- Supplies and materials used for landscaping work
- Computers, phones, printers and other office equipment
- Desk and office furniture
Life is unpredictable and commercial property insurance is the safety net that can save your landscaping company from bankruptcy in case of perils such as fires, floods, windstorms, floods, sewage backups, theft, vandalism and others. Coverage can also be extended to include insurance for your property while in transit and while stored at job sites – a feature that’s vital to landscapers.
With theft and vandalism of construction equipment and building materials on the rise, and costs to replace them also rising, you simply can’t afford to leave your equipment, tools and supplies uninsured. It’s also likely that your equipment and materials are kept in sheds or storage facilities and are not under your constant, watchful eye.
Do I need insurance to cut grass?
No, you don’t need insurance to run a business that specializes in landscaping and cutting grass for individual or commercial customers. However, we always recommend all businesses have a comprehensive commercial insurance policy, regardless of their size and the products or services they provide.
While you cut grass, there could be unsatisfied customers that sue for property damage, negligence, or injury. The equipment, fleet, and commercial property you rely on to operate smoothly could also get damaged.
Any potential risk to your grass-cutting business could result in costly litigation or repairs. Without insurance, you’re forced to pay out-of-pocket for any expenses incurred, which could add up to thousands of dollars or more. Landscaping business insurance helps you mitigate financial loss resulting from these risks.
For example, if a customer sues your business for property damage caused by one of your employees while they were cutting grass, insurance can help with settlement awards, legal fees, and other potential expenses.
There are many types of insurance products you can add to your landscaping business insurance policy. Each product protects your business from a different type of liability or damage risk. You can also determine how much insurance you want and the coverage limits.
Speak with one of our insurance specialists to determine what types of insurance you need and how you can compare different policies.
Who is covered under a landscaping insurance policy?
Any business that offers landscaping products or services can benefit from having a landscaping insurance policy. Whether you have a large landscaping corporation or are an independent contractor, insurance protects you and provides financial coverage for common lawsuit claims.
Some of the landscaping services that are protected under insurance include
- Deck, fence, and porch installation
- Garden services
- Lawn care
- Lawn mowing services
- Snow removal
If you also sell, manufacture, and distribute landscaping products or equipment, such as lawnmowers, soil, or pesticides, you should also have insurance. It protects your business against third-party claims arising from the products your customers buy.
Get ALIGNED with Insurance for Landscapers brokered by commercial insurance specialists.
Insuring businesses is all we do. We work with Canada’s top insurance companies to get you comprehensive coverage that protects your landscaping business at the best possible rates.
Contact an ALIGNED advocate to get a free quote on landscapers’ insurance in minutes or get started right away by using our free online tool.