Your guide to landscaping insurance coverage

A worker tending to a garden.

As a landscaper, you plan, create, and care for the world around us. You may be a gardener, groundskeeper, lawn care specialist, or you may work in horticulture. Whether your work takes you outdoors or you thrive creatively in indoor spaces, you are exposed to certain risks. This is why landscaping insurance coverage is so important. It’s important to understand your risks as a landscaper and invest in measures that will help your business recover in the event that damages or losses occur. To get you started, we’ve compiled a list of some of the important landscaping insurance coverages to consider when building your policy.

Commercial general liability (CGL)

CGL is designed to respond to situations where your business is responsible for causing a third party to suffer a bodily injury or property damage loss.  With CGL coverage, you can safeguard your operations and help mitigate losses. If your business is responsible for injuries that a client suffers at the worksite, your CGL policy can help with the costs of a lawsuit, should a lawsuit ensue.

Commercial property

Whether you run your landscaping business from the comfort of your own home or you rent a commercial space, you need commercial property insurance. Commercial property insurance is designed to respond to situations where your business contents are stolen, or physically damaged as a result of an insured peril.  Business contents can include things like furniture, equipment, inventory, supplies and more, and if you own your own building, you would look to place coverage under the commercial property form as well.

Mobile Tools and Equipment

Traveling to and working at a client’s location can subject your mobile tools and equipment to various hazards such as theft.  Having coverage in place for your mobile property can help protect you should any of the items be stolen.  Your tools are costly to replace and are essential to your operations.

Installation floater

If you install products or fixtures for your customers, consider this coverage that will help protect you if something is damaged while waiting to be installed or during installation itself. For example, if you leave supplies or equipment at a client’s worksite overnight that are waiting to be installed, and they’re stolen, an installation floater may be able to help.

Commercial auto insurance

Are you always on the go? Do you transport equipment to and from worksites daily? If you do, a commercial auto insurance policy can help protect scheduled vehicles used for your business.  It’s important to note that a personal auto insurance policy may not provide any coverage for vehicles used for commercial purposes.

Group Health Benefits

Working with your hands in different environments is physically demanding. Offering a good group benefits plan complete with life insurance, extended health coverage, and dental coverage will help you attract the best talent. It may also motivate your employees to go the extra mile for your landscaping business.

Do your best landscaping work knowing your business is in good hands

With the right landscaping insurance coverage, you can get back to doing what you do best. We’ll work with you to craft a policy that supports the long-term growth of your business, with flexible payment options and 24/7 claims service. Visit our landscaping insurance page today to learn more!

This blog is provided for information only and is not a substitute for professional advice. We make no representations or warranties regarding the accuracy or completeness of the information and will not be responsible for any loss arising out of reliance on the information.

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