Clients both private and public depend on professional landscapers to create and maintain the beauty of outdoor spaces. From installation of irrigation systems to taking care of plants, landscaping companies bring expertise to the upkeep of the built environment. Managing and running this type of business comes with operational risks that are both typical and unique for the industry. Your landscaping practice may be responsible for building based on a set of plans. You may also use power tools and chemicals that present hazards to clients and employees. How do you protect your business?
Understanding Landscaper Specialty Insurance
Insurance products help you manage your operational risks. Landscaper specialty insurance coverage usually offers the following protections:
- General liability – Third-party lawsuits due to injuries or property damage while on the premises
- Workers’ compensation – Covers medical expenses, lost income and other related costs for employees injured on the job
- Commercial auto – Operation of company-owned vehicles and damage protection
- Professional liability – Errors, omissions and negligence in your work product
A claim or lawsuit due to an uncovered issue is a direct financial threat to your business.
Getting the Coverage You Need
As a business owner, you may benefit from having a business owner’s policy that combines your property and general liability coverages into one policy. It is incumbent upon you to go with a provider that understands your risks and needs. This insurer can provide a customized plan that’s ideal for your operations.