Landscaper Insurance: What You Need and Why

As a landscaper, you are likely aware of how many things can go wrong on the job. Having the right insurance coverage ensures you are prepared for any situation.

General Liability

This is the minimum landscaper insurance required by law in most places. Although you may take every precaution, sometimes accidents happen, and when they do, general liability coverage pays for damages and medical bills.

Commercial Automotive Insurance

Whether you have a fleet of vehicles or just use your own truck to transport tools and equipment, you need commercial auto coverage. Make sure you have collision and comprehensive coverage so your vehicles are protected from vandalism, theft and natural disasters as well as collisions.

Workers’ Compensation Insurance

If you have employees, your landscaper insurance plan must include workers’ compensation. Even experienced employees can be injured on the job. Common hazards of landscaping work include:

  • Falling branches
  • Chemical exposure
  • Heatstroke
  • Heavy machinery accidents
  • Electrocution
  • Falls

This insurance is necessary to protect you and your employees in these situations and more.

Professional Liability Insurance

While your specialty is the outdoors, it’s important to keep the professional aspects of landscaping in mind. If you make a mistake that costs a client money, the client may sue you. In this situation, professional liability insurance protects your assets.

You have worked hard to build your landscaping business. Protect it by purchasing insurance coverage for all situations.