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.
A standard business insurance plan often fails to address core exposures. A robust business insurance for landscaping should cover:
- Equipment breakdown, theft, or damage
- Employee injuries or illnesses
- Liability claims tied to property damage or bodily harm
- Specialized risks unique to landscaping operations
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. Typical liability insurance for landscaping should cover the risks you may face:
- Damaging patios, fences, decks, or other client property
- A client tripping over tools, hoses, or debris
- Chemical spills, herbicide drift, or pesticide exposure
- Errors made by subcontractors you hire
That’s why landscape contractor insurance is worth considering.
Umbrella landscaping business insurance can provide greater protection.
Severe claims or lawsuits can quickly exceed your standard policy limits. That’s where umbrella landscaping business insurance steps in offering:
- Higher liability limits above your base policy
- Broader protection that may extend to other coverages
- A financial buffer against major legal judgments
A commercial umbrella insurance policy extends not only over your general liability policy but also many other coverages. Landscaping liability insurance can protect you from unwanted expenses.
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Commercial General Liability Coverage
Risk Factor
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.
Solution
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.
Business Auto Insurance
Risk Factor
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.
Solution
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.
Commercial Umbrella / Excess Liability
Risk Factor
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.
Solution
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.
Hold Harmless / Additional Insureds
Risk Factor
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.
Solution
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.
Commercial Property Insurance
Risk Factor
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.
Solution
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.
Workers’ Compensation
Risk Factor
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.
Solution
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.
Equipment
Risk Factor
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.
Solution
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.
Environmental Insurance
Risk Factor
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.
Solution
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. Your landscaping company insurance provides coverage for them according to the terms of your policy.
Your landscape business insurance should include:
- Coverage for damage, loss, or theft of tools & machinery
- Protection while equipment is in transit between job sites
- Replacement or repair benefits for critical assets
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. Landscaping is physical labor with inherent hazards like dangerous chemicals and heavy duty equipment.
The law often requires workers’ compensation insurance for landscapers (varying by state). It protects:
- Your employees, in case of injury or illness
- Your business, from liability and lawsuits
- You, by complying with state regulations
Be sure your insurer knows where your job sites are located so your policy remains valid and effective.
Hauling your equipment requires business auto insurance.
Your employees drive all over town to work at different locations throughout the day. Your landscaping insurance coverage should extend to them.
That means insurance for your landscaping business should include:
- Business auto insurance for trucks, vans, dump rigs, trailers
- Coverage for equipment loaded onto vehicles
- Protection when multiple employees ride along
Your business auto insurance policy provides protection for all your business’s vehicles.
Consider other business insurance policies.
We recommend policies with insurance coverage for your landscaping services geared to protect the business side.
To complete your coverage umbrella, consider adding:
- Cyber liability insurance which protects against data breaches or theft of customer info
- Commercial property insurance for your shop, storage sheds, or offices
- Employee theft or fidelity coverage to protect against dishonest acts
- Employment practices liability for claims like harassment, wrongful termination
To discuss your landscaping services insurance needs and how to protect your business, contact us today.
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