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It’s all about taking care, isn’t it? As a landscaping or lawn care contractor you spend much of your time looking after your clients on their turf.
But what if your mower kicks up a stone and it smashes a window? Or your client trips over your power cable? Or you’re trimming and accidentally nick the A/C line?
You could end up with a claim against you. Hiring a lawyer costs. A lot. And then there’s the compensation, if you’re liable.
Lawn care and landscaping insurance can take care of these costs for you, including medical bills, legal fees and damages too. Without liability insurance, you’ll have to foot the bill. Ouch.
Lawncare and landscaping general liability insurance helps protect you and your employees. If a client is injured, or their property is damaged, your coverage could pay for your legal defense and any compensation you’re liable for.
So why risk it? After all, you wouldn’t build a bed on a slope without making sure you’ve got a retaining wall in place, would you? Taking out general liability insurance is like having that safety fence. Because let’s face it, no matter how careful you are, accidents happen.
And even a groundless claim - like a sudden rain shower - could rinse you, completely.
Read more about why landscapers and lawncare contractors need general liability insurance.
We provide coverage for:
Our landscaping insurance policies start at $37.13 a month. But if you’d rather pay in one installment - or four – the choice is yours. Your budget, your way.
As for how much cover you need, work out what’s best for you. Imagine the worst-case scenario. What could go wrong? Then pick a figure you can realistically afford.
For the full picture on what you might pay, read our blog post on landscaping insurance costs to see what's included.
General liability insurance doesn’t cover claims for damage to your property. To protect your tools and equipment when you’re on-site, you need to add business personal property (BPP) to your package.
It’s worth it. Your landscaping tools are more likely to get lost, stolen or damaged, when you’re out on a job. And how will you work without them?
Anyone work for you? Employment practices liability insurance protects you from the cost of claims brought for unfair dismissal, sexual harassment, discrimination and more.
And most states require you to have workers’ compensation insurance even if you only have one employee. It’s good to have. It protects your business from the cost of workplace injury claims — which can be crippling.
You might not think you need cyber liability insurance. But one-man bands and small landscaping businesses are just as likely to be targeted by cybercriminals as big corporates. Size doesn’t matter to hackers. They just go for the easiest targets. And without tough cyber defenses, that’s you.
So if you store sensitive client data, step up your cyber security. And protect your cashflow with a cyber liability policy. Because it’s not the attack that’ll wipe you out, it’s the huge cost of recovering from one. Cyber liability insurance can take care of these costs, so your landscaping business survives.
Every landscaping and lawncare business is unique, we get that. So we can build an insurance package to suit your particular needs. In minutes.
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.
More infoCyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.
More infoWorkers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.
More infoBecause we understand every business is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.
For help, support or just a quick question, feel free to call me.
I'm Tim - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4221.
Tim Walsh
Customer Service Representative