As a landscaper, you spend the majority of your days working at your client’s locations, moving from site to site. Your clients have high standards and rely on you to keep the outside of their properties looking their best throughout all four seasons. Your work as a landscaper involves a variety of tools, equipment and materials that leave you exposed to liability risks. Even the most careful landscapers still deal with claims, such as if a client trips over your equipment or if you accidentally damage someone’s property while on the job. Due to the nature of your work, insurance is critical in order to prevent any accidental damage from knocking your business off track.
Landscaping insurance is developed specifically to protect your business, employees and you from losses that can devastate your business. This includes fast turnaround for Landscaping Certificates of Insurance for all the project and contract work you may have on the go. Whether you work in commercial or residential landscaping, Fuse Insurance will provide a custom insurance program that covers all the risks you may encounter.
What types of insurance should Landscapers consider?
The policies below are some of the most common coverages found in a Landscaping Insurance package. This is not an exhaustive list of insurance types, so it is best to speak with your insurance broker who can create an insurance program that is customized for your business.
Commercial General Liability (CGL)
As a contractor, most of the work you do occurs on other people’s property, leaving lots of room for liability risks. Commercial General Liability covers your business for claims of slips, trips and falls due to your work and any damage to your client’s property that happens on the job site. It also provides financial coverage for common claims involving legal liability or lawsuits, which would cost your business tens of thousands of dollars without insurance.
If you have a workshop or office for your business where you store your important documents and equipment, you need Commercial Property coverage. It will provide protection in the event of a covered loss including fire, theft or water damage.
Tools and Equipment
As a landscaping business, you invest a lot of money into your tools and equipment. This policy will provide coverage for the repair or replacement cost if your tools are damaged, lost or stolen. In order to ensure you have adequate coverage, you will need to make an inventory list of what tools and equipment your business owns.
Commercial Auto Insurance
Whether you use company-owned vehicles or your own vehicle to transport your tools and equipment between job sites, you need Commercial Auto insurance. This protects you in the event of an accident involving your company car and can provide coverage if injury, vehicle damage or theft occurs.
Who is Landscaper Insurance for?
- Landscape design architects
- Outdoor maintenance and design
- Lawn care
- Deck installation
Whether you are an independent contractor or own a large landscaping operation, the experienced brokers at Fuse Insurance understand the landscaping industry and are ready to help you find the best coverage for your needs. Our online quote application is free and easy and provides the information we need to get your insurance policy in your hands as soon as possible. To start your quote now, fill out our form online or call 1-866-387-FUSE (3873).