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Landscaping Insurance

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Multiple coverage options to choose from

Landscaping Insurance Provided By Our Agency

As a landscaper, you deal with more than inclement weather and slow seasons. It would help if you had an insurance policy that covers you from accidents with lawn care tools and machinery to unhappy customers.

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Environmental coverage
General liability
Commercial auto
Workers’ Compensation
Inland marine

Environmental coverage

Risk Factors

Environmental impairment exposure is significant. The application of chemicals can damage air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding using and disposal of chemicals and waste products.

Solution

This can cover you in case you are liable to pay fines & legal expenses for polluting the environment.

General liability coverage

Risk Factors

Third-party injury and property damage are the greatest risk exposures in the lawn care business, with claims and lawsuits exceeding hundreds of thousands of dollars.

Solution

It covers bodily injury or property damage to third parties like people or entities other than your employees or business. Without general liability insurance, a lawsuit could bankrupt your business.

Commercial auto coverage

Risk Factors

Your commercial vehicle can be liable for other parties’ injuries or property damage if you or your employee cause an accident while driving for work.

Solution

It includes liability coverage. Landscaping business owners can opt for coverage that pays for vehicle damage, roadside assistance, and medical bills for them and their passengers.

Workers’ compensation coverage

Risk Factors

Your workers may face several work hazards, such as sharp tools, heavy equipment, operating machinery and vehicles, and even animal bites, which make workers’ comp coverage critical for your small business.

Solution

It covers medical bills and wage replacement for employees who suffer work-related injuries or illnesses. This coverage is necessary for many landscaping businesses because of the risks involved, plus most states require workers’ comp coverage if you have any employees.

Inland marine coverage

Risk Factors

Because transporting equipment is common in the industry, most insurers should include at least some inland marine coverage on their property policies to be on the safer side.

Solution

It covers your equipment, tools, and supplies as you move them from one job to another or while delivering your landscaping products, such as plants and trees, to a client. Policies can also cover any equipment you store away from your primary location, like a client’s shed or a garage.

What type of insurance do I need for my Landscaping Business?

Depending on your specific needs, there may be different policies for your landscaping business. However, below are the main policies you may want to consider for landscaping insurance coverage:

General Liability Insurance

General liability insurance — general commercial liability (CGL) insurance — covers your landscaping business from costs resulting from third-party accidents, property damage, bodily injury, lawsuits alleging damage, and more.

Without general liability insurance, you face the risk of being liable for all expenses related to operating a landscaping company. Small businesses cannot afford to be insured because the average cost of reputational harm is over $50,000.

To put this into perspective, imagine that you are finishing up a landscaping project, and a client trips over a leaf blower that was left outside in their yard. The unhappy and hurt customer sues you for their injuries. The resulting medical expenses and court costs total thousands of dollars. What would you do in such a circumstance?

So what could your general liability insurance policy cover? Here's a quick summary:

  • Bodily injury to another person
  • Medical expenses
  • Third-party property damage
  • Personal and advertising injury
  • And more

But what about the things general liability insurance doesn't cover?

  • Damage to your property
  • Damage to your work
  • Motor vehicles while in business use
  • Intentional injury or damage
  • Professional services
  • Workers' compensation or injury to your employees
  • And more

Also, ensuring your equipment is covered if something is stolen or damaged is essential. Some general liability insurance policies include some contents coverage, which is the insurance that protects you in case your tools are damaged or stolen.

Workers Compensation Insurance

From lawnmowers and weed whackers to shovels, rakes, and trowels, you likely work with many different tools and machines at any given time as a landscaper. In most states, you're legally required to carry workers' compensation insurance.

Accidents happen, so it's essential to have the proper coverage to protect yourself and your employees.

What would happen, for instance, if a worker dropped a big shovel and broke their foot? Or if a worker is hurt while using a pair of lawn scissors? What expensive medical expenses! Your workers' compensation policy can also cover other connected costs like lost time at work, rehabilitation costs, and your employee's medical expenditures.

Workers' compensation coverage for landscapers must be adequate. Unfortunately, accidents can still occur even when we believe we are using the utmost caution. According to the Centers for Disease Control and Prevention, over 229,000 workplace accidents involving objects and machinery resulted in time away from work in 2017. Additionally, that year, the cost of work-related accidents in the United States was $161.5 billion. Not a typo, that.

Workers' compensation insurance for landscapers can cover the following:

  • Medical payments
  • Death benefits
  • Lost wages
  • Rehabilitation expenses

Other insurance that may be needed for your landscape business

  • Commercial auto insurance
  • Contractor's tools and equipment insurance
  • Property Coverage
  • Inland Marine Coverage
  • Umbrella Coverage

What are the benefits of a Landscaping Insurance? How will this impact my business?

Running a landscaping business is costly, especially if you're in the early stages and purchasing equipment, vehicles, marketing, etc. However, adding insurance costs to the equation can seem daunting.

The truth is that the cost of landscaping insurance is a fraction compared to what you'll spend if you get sued by a customer or an employee gets injured on the job. Plus, if insurance coverage is legally required in your state, the repercussions of not having a policy could be significant.

With landscaping insurance, you have peace of mind knowing that you and your family are covered and your employees and customers are taken care of, too. Insured small businesses are considered more legitimate to customers than those without insurance. A current landscaping insurance policy is a vote of confidence that's great for business.

Contact us to know more about how we can keep your landscape business protected.

Already have Landscaping Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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APEX Financial Services, Inc

We extend coverage to individuals and businesses in Arkadelphia, AR and surrounding areas.
(870)-230-8100
(800) 878-4005
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