Landscaping & Lawn Care Insurance

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Landscapers, gardeners and other lawn care services have many factors to think about when applying for the right insurance policies. Landscaping professionals are constantly exposed to potential risks that can affect the overall wellbeing of the business and its employees. As a business owner, you are responsible for yourself, your employees, and for anything that may happen on the job. Let us help you find the right coverage that is catered to your business’ specific needs.

Why Do I Need Landscaping Insurance?

There are many different elements that help keep landscapers and yard work professionals afloat. Your employees, tools and machinery, commercial vehicles, and other items used on the job are what makes your business what it is. Without landscaping insurance, if anything were to happen to you, your employees, or your equipment, you are fully responsible for any damages or fees.

Landscaping General Liability Insurance

General liability insurance is the most common insurance policy needed for landscapers, or lawn care professionals. Under this policy, your business will be covered for things like an employee bodily injury, client’s property being damaged, or other liabilities that you are responsible for. In certain circumstances, a client may deem this policy necessary for you to perform a job on their property. One single accident is all it can take for your business to be responsible for fees that you may not be able to afford, making general liability insurance a necessity for your landscaping or lawn care company.

Landscaping Commercial Auto Insurance

Does your landscaping or garden business require the use of a commercial work vehicle? Commercial auto insurance will be something to highly consider for your landscaping or lawn care business. When we typically think of “commercial vehicles”, the first thing that comes to mind is usually a semi, dumpster, or large utility vehicle. With commercial auto insurance, if you are using a vehicle to transport work supplies such as lawn mowers, tools, fertilizer, etc, you may be at risk for things such as an accident damaging your vehicle and the items inside. This policy will ensure coverage to your damaged vehicle and items that are crucial to the success of your business.

Landscaping Workers Compensation

Workers compensation insurance is required by law in almost every state in the US. Breaking these laws can result in hefty fees or lawsuits that may leave your business with no more funds. Workers compensation covers your employees if they are injured or ill on the job. Workers comp not only protects your employees, but protects you, the business owner as well. If your insurance is compliant with state laws, the policy will protect against an employee getting injured on the job, and then deciding to take legal action against you.

Landscaping Pollution Insurance

If your landscaping or lawn care business uses things like fertilizer, weed killer, pesticides, or other products that may have harmful chemicals or particles, you will want to consider a pollution insurance policy. Since you are working on other people’s property, if a client becomes ill due to hazardous materials used by your company, they can take legal action against you for exposing them. Having the right landscaping pollution insurance will help cover you for things that your general liability insurance policy does not include.

Inland Marine Insurance (Equipment)

As a landscaper or lawn care professional, you may depend on your equipment for a job well done. What happens if part of your machinery breaks on the job? If you do not have the right insurance, the fees to fix or replace your items can cost your business some of its profit. With the right inland marine insurance policy, your landscaping and/or gardening equipment can be insured based on the risks your business and equipment face on a daily basis.

Tree Service Insurance for Arborists and Tree Trimmers

Arborists and tree trimmers are another form of a contracted landscaper. Unlike gardening and lawn care services, arborists and tree trimmers specifically work on trees. This can be the complete removal of a tree, branch removal, or planting new trees.

For this particular industry, there are some risks that differentiate from the typical landscaper working mostly on the ground. If you are an arborist or tree trimming professional, some things on your policy may differ from a traditional landscaping insurance policy.

The best way to ensure proper coverage for your landscaping niche is to speak to an insurance agent about your options. They will assess the locations and work being performed to evaluate your best coverage options. Click Here to learn more about Tree Service Insurance.

Cyber Insurance

With the world of technology constantly changing around us, risks of cyber scams become greater each year. Does your business electronically store client data? Are you using an electronic card swiper to collect your businesses profits? Then you are at risk of being a victim of a cyber scam. Data breaches are some of the most common cyber scams we see today. Having your company’s data exposed, or even worse, your client’s data exposed can result in fines, legal fees, and overall headaches that leave you stressed and unable to run your business to the best of your ability. 55% of small businesses have had a data breach and 53% have had multiple data breaches. Having cyber insurance for your landscaping company will notify customers about a data breach, restore personal identities of the affected clients, recover any compromised data, and repair damaged computer systems. With the growing rate of cyber-crimes, this policy is becoming more and more necessary as the years continue. Click here to learn more about Cyber Liability Insurance.

Benefits and Payroll

To run a successful landscaping business, especially one that is focused on growth, there are many different aspects that need to be managed properly. At Alliance, we can help you with you with all of the backed business needs so you can focus on doing what you do best! In addition to insurance, we help businesses with the employee benefits, payroll, and human resources needs! Having a high employee satisfaction rate can help ensure that your employees do good work on the job. Let us help you find the right employee benefits plan for the hard-working individuals that keep your business going. We also have a simple system to help distribute payroll to your employees. No more need to sit and calculate your employees pay, we can take care of it for you.

If you are interested in learning more about how Alliance can protect your landscaping, gardening, or lawn care service, please give us a call at 303-279-9700 or fill out the form below.

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