Spring is here! The sun is shining. The sky is blue. The grass is growing! Landscapers are gearing up for their busiest time of the year. The increase in activity can also mean an increase in risk.
Landscaping companies are typically moving and maneuvering large equipment and machinery. They are susceptible to many different types of risks, many of which can be covered with the right insurance program.
There are 3 types of coverage that a landscaping company should purchase. Possibly more depending on the operation.
Landscapers own expensive equipment and machinery. These items do not come cheap, especially if there are multiple crews working under one company. If you own a landscaping company then you want to ensure that your machinery and equipment are protected from damage or theft. You can obtain property coverage to protect your financial interest in your equipment.
You might think that landscaping is not prone to much risk since the jobs are outdoors and typically in larger spaces. Unfortunately, this is not true. Have you ever known of a lawn mower to throw a rock? What about the possibility a property owner trips over your equipment? There are many other scenarios we could play out that lend a landscaper liable to a property owner for property damage or medical injury. A general liability policy will cover you for these types of risks.
If you have employees, then you need workers compensation. Workers Comp is not limited to full-time employees only. You need to make sure you have coverage for your employees even if they are only part time or seasonal. The risk of injury when operating large and heavy equipment is very high. Landscapers need to ensure they are doing their part to protect their employees from injury when operating the equipment.
The size of your operation will depend on how your policy is written. A Business Owner’s Policy (BOP) combines the property and liability portions into one policy. Our agency has access to competitive markets for lawn maintenance. Don’t wait until it is too late to make sure you are properly covered. Give us a call today to look at the competitively priced coverage that fits the needs of your lawn care business.