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A landscaping business is a fulfilling venture, not to mention profitable. The ability to completely redesign and beautify a space comes in high demand, so it’s not uncommon for well-established landscaping businesses to be worth a lot.
Naturally, you would want to protect your assets. Although a landscaping business isn’t typically a high-risk job, you should still be careful. Time and chance happen to all, as they say. Even with the best preparations, accidents can still happen.
To protect your business from the worst-case scenarios, you need to get landscaping business insurance. This article will discuss what you need to get started on this type of insurance.
What is Landscaping Insurance?
Landscapers work to transform a space according to the client’s specifications and within the regulations set by law. The size of jobs varies, from simple backyard renovations to landscaping large common spaces.
To accomplish their tasks, landscapers interact with many people and use a wide variety of power tools. This opens them up to all kinds of risks. Examples of those risks include:
- Accidental damage to customer’s personal property
- Accidental injuries to other employees or third-parties
- Unexpected damage to mission-critical tools and vehicles
These risks are bad enough, but there are plenty more scenarios that can end up severely harming your finances.
When these things happen, landscaping insurance is your friend. This is a bundle of policies specifically made for the landscaping business. When something happens to your business, the insurance will kick in and cover the financial costs of the situation.
What Does Landscaping Business Insurance Cover?
As mentioned, landscaping insurance is a bundle of individual policies that covers the most common risks that landscapers businesses face. The most common insurance policies bundled into this package usually consists of the following:
- General liability. This insurance policy covers the expenses of situations that the complainant deems to be your fault, such as legal fees, medical expenses, or settlement bills.
- Business owner’s policy. Also called BOP, this policy merges two very useful policies for landscapers at a significant reduction in cost: commercial property and general liability.
- Commercial auto. Landscapers own or rent vehicles to transport workers, tools, equipment, materials, and landscaping accessories to the site. This insurance policy covers your expenses in case these vehicles are unexpectedly damaged or stolen.
You can also talk to your insurance provider to add other beneficial policies to your landscaping business insurance, such as:
- Business interruption insurance
- Professional liability insurance
- Tools and equipment
- Workers’ compensation
How Much Does Landscaping Insurance Cost?
There are many different factors that affect how much your landscaping insurance premiums will cost, such as specific jobs undertaken, business location, and claims history.
To get a thorough assessment, you need to ask for a quotation from a highly qualified insurance agency, such as Magnum Insurance.
Getting Landscaping Business Insurance With Magnum Insurance
Your landscaping business is the product of your hard work, and you can beautify many people’s property yet before you’re done. That’s why you need to protect your business from financial harm with landscaping business insurance.
At Magnum Insurance, we guarantee high-quality insurance policies that work for you and your budget. Contact us now for a quote!
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