Professional landscaping companies contend with many types of possible risks in the course of their day-to-day operations. Working in a constantly changing environment, using heavy equipment and machinery, engaging in physically demanding labor, transporting equipment and materials, and performing work on property owned by other individuals or business entities are among the many challenges that companies face and must consider when they’re electing insurance coverages.
The Critical Importance of Insuring Equipment
Landscaping companies’ equipment is essential to their activities. Equipment tends to be expensive, and the cost of repair or replacement can be significant. When equipment isn’t usable, a company simply can’t perform its work. Ultimately, it’s imperative that landscaping company coverages will be able to address claims relating to damaged or stolen equipment.
Vital Protections for Personal Injury
The equipment and activities involved in landscaping can be somewhat dangerous. A policy needs to provide coverage for any injuries sustained by employees as well as clients.
A comprehensive commercial insurance package for a landscaping company will include coverage for all of its most significant areas of risk exposure. It’s preferable for a company to work with an insurance carrier that is experienced in serving clients in its industry and has an in-depth understanding of its operational risk to get help choosing the right forms of protection and adequate coverage levels.