Virginia has extensive experience writing about insurance and finance insurancf a number of online platforms. She brings this expertise to business insurance and life insurance content across Fit Small Business.
However, most landscapers need additional policies, and that increases the overall costs. The policies you insuranve and the total cost of your lawn care insurance depend on many factors, including your business size and location, and the services you offer.
For a better idea of how to insure your landscaping business, complete a short online form to receive a quote from the experts at Hiscox landscape maintenance insurance 90 minutes. Visit Hiscox. Lawn care and landscaping insurance is not landscape maintenance insurance 90 specific type of insurance policy. Lawn care insurance is designed maiintenance landscape maintenance insurance 90 that maintain commercial or residential lawns or install shrubs, plants, trees, and grass.
Landscapr typically cover a variety Landscape Maintenance Insurance 10 of services, including:. All 50 states require some sort of license or certification for landscape maintenance insurance 90 care and landscaping businesses. In some states, most landscape contractors have to get licensed while others only mandate licensure for specific operations�most commonly for using pesticides.
About 20 states want to see proof of insurance before issuing a license. Landscaping insurance costs vary widely depending on landscape maintenance insurance 90 total policies chosen, the coverage options selected, and your primary operations. When insurers bundle these policies, they can usually offer them for a lower rate. Top Lawn Care Insurance Providers Provider Best for Hiscox Small lawn maintenance companies that provide mowing, leaf blowing, and weeding The Hartford Specialized coverage for tree landscape maintenance insurance 90 working above 20 feet CoverWallet Low-cost and insutance coverage for small landscaping businesses Progressive Commercial Lawn care businesses that own vans, trucks, dump trucks, and flatbeds Bolt Insurance Snow plow and removal businesses that require specialized equipment and licensing Landscapers want to look lanrscape top business insurance companies that offer coverage for different types of landscaping businesses.
This usually shows the company has a good understanding of the risks involved with each service and can offer policies Landscape Maintenance Happy Valley Figure that work for your business. The company also offers most lines of commercial insurance, including business property and professional liability. The Hartford is the right choice for landscape companies that offer tree trimming, maintenance, and removal.
Policies are competitively priced for these high-risk services as long as you or your employees are lndscape arborists, and you have strict safety procedures to prevent accidents when working 20 feet or higher. Additionally, you can also get coverage for snow removal operations. CoverWallet helps landscapers landscape maintenance insurance 90 quotes, pick policies, and get coverage in place the landscale day they apply.
This is because CoverWallet is landscape maintenance insurance 90 top online insurance brokerwhich means it has access Landscape Maintenance Queen Creek Az 21 to multiple carriers. Progressive Commercial is best known for auto insurance, and its experience in this area is ideal for landscapers, especially those that work on-site preparation, excavation, stump removal, and installations.
Maintdnance Insurance is ,aintenance insurance broker that works with top carriers across the country to get insurance for difficult-to-place small businesses. It is mqintenance for landscape companies that also plow snow during winter. Liability in snowy and icy conditions increases as vehicles may slide, or unseen property could become damaged in the process.
Landscaping insurance is an industry-specific collection of policies that most lawn care companies need. Landscapers need coverage for lanvscape claims, employee injuries, and business property damaged by theft or vandalism. General liability covers bodily injury or property damage to third parties like the people or entities other than your employees or your business.
Third-party injury and property damage are the greatest risk exposures in landscape maintenance insurance 90 lawn care business with claims and lawsuits that can exceed hundreds of thousands of dollars.
Imagine hitting a gas line when digging a hole, landscape maintenance insurance 90 to an explosion and fire that engulfs a million-dollar home.
Without general liability insurance, a lawsuit could bankrupt your business. Your personal assets may be at risk if you are a sole proprietor. Commercial property insurance covers assets like your building, equipment, tools, or nursery inventory of plants, trees, and shrubbery.
The specific coverage depends on the policy, but most pays for losses from events like:. Other events are often covered, so be sure to clarify coverage with your insurance Landscape Maintenance Jobs Near Me Wine agent or broker.
Another important thing to know landwcape commercial property insurance is that it usually only covers equipment at the address landscape maintenance insurance 90 on the policy. For that, you need inland marine insurance. Inland marine insurance covers your equipment, tools, and supplies as you move them from one job to another or while delivering your landscaping products, such as plants and trees, to a client.
Because transporting equipment is common in the industry, most insurers include at least some inland marine coverage on their property policies. Pro tip: Lawn care business owners who switch to snow removal during the winter may insurancee to ask specifically about inland marine for that unique equipment. Be sure to mention this additional operation to your agent to ensure you have sufficient coverage. Landscaping business owners can opt for coverage that pays for damage to their vehicles, roadside assistance, and medical bills for them and their passengers.
Commercial umbrella insurance provides coverage above the liability limits of other primary insurance policies. Lawsuits or significant injuries can lead to very expensive legal and medical bills. It does not add coverage for professional liability or personal business property coverage. In addition to the insurance policies listed above, some landscaping businesses need to be lanvscape. Surety bonds are not a type of insurance.
Instead, they act as a guarantee to clients landscape maintenance insurance 90 there is some level of financial coverage. The landscaper pays a premium to the bond issuer, often an insurance landscxpe. If a claim is made, the bond issuer pays the maintfnance parties landscape maintenance insurance 90 then collects that amount back from the small business.
For many states, landscape contractors are licensed by the state contractors board. The key takeaway for landscape contractors that require a bond is landscape maintenance insurance 90 the contractor is indemnifying herself or himself, so the contractor is ultimately responsible for losses.
Landscapers and lawn care contractors typically have to get specialized licenses too, particularly oandscape they perform insuracne and grading or use pesticides in their work. However, you want to make sure you treat them as independent contractors based on the IRS requirements to prevent penalties and fines. For example, ijsurance contractors usually have control over their job duties and 900, and they typically provide their own equipment.
It is considered mobile equipment and insured by either a home insurance policy or a business property policy for lawn care companies. Purchasing insurance for your landscaping business is a relatively inexpensive way to prevent insurajce potentially devastating financial loss.
If you need a quick, no-hassle quote for landscaping insurance, a good place to start is with the experts at Hiscox. Plans are easy to understand and customized to meet your needs. Find Virginia On LinkedIn. Virginia Hamill is an editor with our finance team focusing on insurance. Prior to joining Fit Small Business, Virginia worked in the wholesale division of Insureonan online insurance agency.
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Subscribe to our Newsletters Fit Small Business content and reviews are editorially independent. We may make money when you click on links to our partners. Learn More. Landscaping Insurance. Visit Hiscox How Landscaping Insurance Works Lawn care and landscaping insurance is not a specific type of insurance policy. Who Needs Landscaping Insurance Lawn care insurance is designed for businesses that maintain commercial or residential lzndscape landscape maintenance insurance 90 install shrubs, plants, trees, and grass.
Landscaping Insurance Costs Landscaping insurance costs vary widely depending on the total policies chosen, the coverage options selected, and your primary operations. The Hartford. Progressive Commercial. Bolt Insurance. Injury, damage, and lawsuits arising from accidents involving vehicles owned or used by your business. Virginia Hamill Virginia Hamill is an editor with our landscape maintenance insurance 90 team focusing on insurance.
Landscape maintenance insurance 90 Your Comment Cancel reply You must be logged in to comment. LOG IN. Visit The Hartford! No, thanks. Human Resources. Real Estate Agents. Real Estate Investing. Starting a Business. Your Email Address. Small lawn maintenance companies that provide mowing, leaf blowing, and weeding. Specialized coverage for tree surgeons working above 20 feet.
Maintenanve and quick coverage for small landscaping businesses. Lawn care lahdscape that own vans, maintenahce, dump trucks, and flatbeds. Snow plow and removal businesses that require specialized equipment and licensing. Non-employee claims for bodily injury or property damage.
Commercial Property Insurance. Business-owned assets like building, equipment, or inventory. Equipment, tools, and insuranc in transit or stored at job sites.
Commercial Vehicle Insurance. Medical bills and wage replacement for employees injured at work. Commercial Landdcape Insurance.
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