Landscaping Insurance
What is landscaping insurance?
Landscaping insurance is coverage designed for professional landscapers and lawn care businesses to guard against risks that can lead to accidents and financial setbacks. Having the right insurance protects you from these potential threats and lets you focus on growing your company.
Call one of our specialized agents or start an online quote to get the coverage you need.
Why is lawn care business insurance important?
Lawn care insurance is important because it can manage liability for accidents and property damage, protect your equipment and tools, and cover workers' compensation if an employee gets hurt. It can also help your business bounce back from unexpected events, boost client confidence, and keep you compliant with legal requirements.
Not having landscaping business insurance exposes you to significant financial risks and can affect your ability to grow and operate effectively.
Some clients may ask for proof of insurance before beginning a project with you. Progressive Commercial can provide a certificate of insurance (COI) once you start a policy.
Who needs landscaping insurance?
Lawn service insurance is necessary for many different professionals and businesses working in landscaping. Here are some examples of who might need it:
- Independent landscapers
- Landscape architects and designers
- Gardeners
- Arborists
- Lawn care companies
- Lawn irrigation contractors
- Seasonal workers
- Tree trimmers
Whether you're a sole proprietor, part of an LLC, or working for a startup, you should consider securing coverage. Protect your small business and start a lawn care insurance quote today.
Types of insurance for landscapers
Landscapers typically need several types of coverage to address different risks associated with their work. Landscaping and lawn care insurance options include:
- General liability: This fundamental coverage protects landscaping companies against legal claims and financial setbacks resulting from customer injury, property damage, and advertising injury. Discover the benefits of general liability insurance.
- Commercial auto: This insurance helps protect the vehicles you use for work, like dump trucks, pickups, and utility trailers. Learn about commercial auto coverage through Progressive Commercial.
- Business owners policy (BOP): A BOP merges general liability coverage with protection for commercial buildings and personal property. Learn more about BOP coverages.
- Workers' compensation: This insurance helps employees who are injured or become ill during work. Find out if you need workers' comp for your business.
- Cyber: Cyber insurance protects your business against threats like data breaches and cyber attacks. It includes coverage for legal fees, notification costs, and recovery efforts.
Tools and equipment coverage for landscapers
Landscapers visiting job sites should have tools and equipment insurance. Add it to your general liability or BOP policy to cover repairs or replacements for lost, damaged, or stolen tools, keeping your business running smoothly.
Landscaping insurance cost
The cost of landscaping insurance depends on several factors, including:
- Type of coverage
- Size of business
- Number of employees
- Services provided
- Business location
- Claims history
Understanding the different aspects of your landscaping business can help you determine which of these components might affect your premium. Learn more about your business insurance cost.
Landscaper insurance through Progressive Commercial
With Progressive Commercial you have access to a full range of insurance products, competitive rates, and top-notch service. Small businesses have trusted us to provide the protection they need for over 50 years.
Our specialists are ready to help you find the right lawn care insurance at a fair price. Give us a call or start a quote today.
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