Specialized landscaping insurance coverage for your unique risks for landscapers in New Hampshire and Vermont.
Landscaping insurance to protect your assets and your future.
As a landscaper, you probably spend most of your day out with clients. While you’re on the road, the last thing you want on your mind is your New Hampshire landscaping insurance coverage.
However, there are many reasons why a basic business insurance package just isn’t enough. A broad landscaping services insurance program needs to consider everything. That includes your equipment, your employees, and your specialized risk.
Go beyond basic general liability.
Every business can potentially harm, damage, or injure another business or person. That’s why businesses need general liability insurance. However, it’s not so simple for landscapers, so you we recommend tailored landscaping liability insurance.
This is because the bulk of work you do is on your clients’ properties. Your employees could damage a patio, deck, or other expensive structures. As a business owner, you don’t want financial losses like property damage claims. You could save money in the longrun by investing in landscaping insurance.
Your client could trip over equipment left out on the lawn. Chemicals like herbicides could create a hazardous spill or injure someone. Also, if you subcontract any work, you may be liable for the damage subcontractors do. This is why we suggest insurance for a small landscaping business.
Umbrella landscaping business insurance can provide greater protection.
In some cases, significant damage to property or serious injury to a non-employee might occur. There’s a risk of being sued in this situation. Defense of lawsuits can be quite costly for lawn care businesses. If damages are awarded to the other party, a large enough sum could exceed the limits of your standard liability policy.
A commercial umbrella insurance policy provides additional protection with higher limits and typically broader coverage. This landscaper insurance coverage extends not only over your general liability policy but also many other coverages. Landscaping liability insurace can protect you from unwanted expenses.
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As a landscaper, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Commercial general liability insurance is an absolute necessity for every landscaper. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Landscapers have many exposures associated with vehicles, whether owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your landscaping business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a landscaper and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Losses and lawsuits are quite common. Defending these suits and paying any damages awarded can be quite costly. If your landscaping business is found to be responsible for damage or injury on a job site, you could be facing a large liability loss that exceeds the limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
If you are working as a landscaper on a project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor, or subcontractor causing damage to people or property of your mutual customer.
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on the policy. This may provide you with coverage under their policy or injuries or damage they cause if you are named in a lawsuit.
While much of your business is conducted on the property of others, you likely still have a base of operations that may contain tools, equipment, and supplies. When a fire, theft, or other type of disaster strikes, your business property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your buildings or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Because your crew is working with dangerous equipment and potentially hazardous chemicals, there’s always a chance something could go wrong. If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Your landscaping business uses specialized equipment that’s essential to get the job done and carries a high value. If your equipment breaks, is damaged, or is stolen, you’re not able to do your job. And, because you're transporting equipment from job site to job site, there’s an even greater risk that something could happen to it.
Mechanical breakdown insurance may provide coverage in the event a piece of equipment malfunctions or stops working. Your property insurance will offer coverage for your equipment while it is stored at your location. Inland marine insurance is helpful as it covers your equipment while it is in transit between job sites.
Your landscaping business faces risks associated with the use of hazardous chemicals. These can include herbicides, pesticides, and fertilizers. Equipment may leak fuel or other hazardous chemicals. Improper use, spills, and other contamination events can result in significant injury or damage.
Environmental liability insurance may offer protection in the event of property damage or bodily injury that is the result of environmental pollutants. Your policy may provide for cleanup and restoration, defense costs if you are named in a lawsuit, and damages that may be awarded to an injured party.
Don’t leave your equipment unprotected.
Your landscaping business uses specialized and expensive equipment, and your landscaping company insurance provides coverage for them according to the terms of your policy. Your tools and machinery are also commonly moved from job site to job site.
This increases the risk that they could be damaged or stolen. Without your tools and equipment, you can’t perform your work. Your landscape company insurance policies offers protections for your high-value items in case they need to be replaced or repaired.
Workers’ compensation insurance for landscapers is a must.
Workers’ compensation landscaping insurance is mandatory, but the specifics can vary by the states you do business in. Given the physical nature of your work as a landscaper, there’s an increased risk employees could be injured or killed at work. The proximity to chemicals, and the skill necessary to use certain equipment makes lanscaping insurance a vital financial protection tool.
Having adequate workers’ compensation coverage in place protects your business and your employees. Your insurance company must also be aware of the locations of job sites so that policies are accurate and inclusive.
Hauling your equipment requires business auto insurance.
Your employees drive all over town to work at different locations throughout the day. There could be other employees in the vehicle with them, or they could be carrying equipment. In addition to pickup trucks and vans, you may also have dump trucks, riding mowers, excavators, and other vehicles in use. Your business auto insurance policy provides protection for all your business’s vehicles.
Consider other business insurance policies.
To expand insurance coverage for your landscaping services we recommend including policies geared to protect the business side of things. Cyber liability insurance offers protection in case of a data breach of customer records.
Your landscaping business likely owns the property to store equipment and office space, which would necessitate commercial property insurance. You’ll also want to consider employee theft coverage and employment practices liability insurance. Adding this to your landscaping insurance coverage will help in case of dishonest workers or claims of harassment against your company.
To discuss your landscaping services insurance needs and how to protect your business, contact us today.
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