Lawn care liability insurance

• Who needs lawn care insurance?

  All kinds of lawn care businesses need insurance, from one-man bands to larger companies with several employees.

  What’s more important is the type of lawn care you do and the risk those activities carry. Especially if you carry out services like lawn mowing, trimming, weeding, and irrigation

  If your company does more complex tasks, you may need more coverage. A landscaping insurance policy will allow you to add on extras like snow blowing and removal.

• Why do I need insurance for my lawn care business?

  As in any other business, reputation is everything. Yet careful as you are, accidents happen and need to be dealt with – quickly.

  Say one of your crew accidentally breaks a client’s sprinkler system or damages their neighbor’s fence? Or a passer-by trips over your power cable and hurts themselves? You could end up facing a lawsuit.

  Even if you’ve been wrongfully charged and the claim is groundless – you’ll still have to defend yourself.

  Or you can let your lawn care insurance take care of it. Saving you thousands of dollars in legal fees and damages, and many sleepless nights.

• What type of insurance do I need for my lawn care business?

  General liability insurance is for when a client is injured, or their property is damaged. Your coverage could pay for your legal defense and any compensation you’re liable for.

  Most states require workers’ compensation insurance require you to have workers’ compensation insurance – even if you only have one employee. It can protect your business from the cost of work-related accident, injury, or illness claims.

  Last but not least, professional liability insurance (or ‘errors and omissions’) helps when a client or other third party accuses you of being negligent when delivering your services. It can cover your expenses if you’re sued or have to redo a job.

  Every lawn care business is unique, we get that. So we can build an insurance package to suit your particular needs. In minutes.

• Does landscaping insurance cover my equipment and tools?

  Lawn care liability insurance alone can’t cover claims for damage to your property. To protect it, you’ll need to add on tools and equipment insurance.

  It’s worth it. Your lawn care tools are more likely to get lost, stolen, or damaged when you’re out on a job. And how will you work without them?

  Adding this coverage to your lawn care contractors’ insurance means your gear’s protected. Whether something happens to it while it’s inside your van, a trailer, or at a job site.

• Do I need insurance for mowing lawns?

  If you mow your neighbor’s lawn from time to time as a favor, then you probably don’t need specialist lawn care insurance.

  If, however, you operate under a business name and charge for your services, then it’s wise to protect yourself with insurance just like any other contractor.

  It’s a small investment considering how, without it, you’d have to compensate any unhappy third parties out of your own pocket. Which, if you’ve accidentally injured someone or damaged their property, can amount to quite a bit.

• How much is insurance for a lawn care business?

  Lawn care insurance costs can vary depending on which state your business is located in, your employee payroll, and the kinds of projects you work on.

  The coverage options you choose can also influence the cost of your lawn care insurance. It stands to reason that the more coverage you buy, the more you’ll pay.

  For the full picture, read more on landscaping and lawn care insurance costs.

What other kinds of insurance do landscapers need?