Insurance By Trade
Is landscaping insurance all it takes to building your business? No, of course not — but it does go a long way to protecting what you have built, and what you will build in the future.
You have to take advantage of every opportunity, right? According to the statistics, there are over 100,000 small landscaping businesses in the United States. This has made landscaping a billion dollar industry.
Between the years of 2012 and 2016, landscaping businesses have increased by over 10%, and this trend is continuing. The bottom line is that competition continues to grow.
Some competition is good because it brings out the best in the small businesses as they battle for market share. However, too much competition and you could be out of a job.
- Commercial General Liability Insurance
- Commercial Property Coverage
- Loss of Income Coverage
- Equipment Breakdown Coverage
The Business Landscape and how to take your landscaping business to the next level.
What it is Landscaping Insurance?
Competition from other landscaping businesses isn’t the only thing you have to keep your eye on if you’re going to succeed. From something as pressing as the current labor shortage to matters like government regulations and restrictions of equipment, so much can go wrong.
And this isn’t taking into account the day to day challenges that any small business owner faces. Things like theft, damage to customers’ property, and personal injury like slips and falls.In a landscaping business, you carry the additional stress of keeping your employees safe.
You work with garden maintenance tools like lawnmowers, brush cutters, and chainsaws. You must also protect your equipment. For instance, what if an employee crashes the company truck? That is always both inconvenient and expensive.
5 Best Reasons to get Landscaping Insurance
Protect Your Reputation
Insurance protects against employees misrepresenting your company.
Plan For The Future
Insurance protects against unforeseen risks.
Vital protection in a litigious society.
Prevent Financial Ruin
Insurance helps your business survive disaster.
Get Peace of Mind
Insurance that protects the little guy.
So, Who Has Your Back?
When choosing a company to work with, you’ll want to be sure that they understand all the factors that affect a small landscaping business. We recommend that the best place to start when it comes to insurance coverage for landscapers and small landscaping businesses is with a business owners policy. This coverage protects your landscaping business and landscapers from issues such as property damage and injury on the job, leaving you to focus on the specifics of your landscaping business without worry.
Of course, you want coverage that can be tailored to your own particular needs. You may need to include additional coverage. When it comes to rates, different landscaping businesses will pay different rates. For example, a landscaping business whose focus is hardscapes is likely to pay a different premium than one that only does edging and mowing.
“It will never happen to me!”
Cutting Your Landscaping Insurance Costs
As much as you don’t want to get a nasty surprise when you realize that the liability coverage you have is inadequate, you don’t want to pay for insurance coverage that you don’t need. Neither do you want to pay high rates when you could get low rates. From years of experience, we understand that finding the right business insurance at the right price can be intimidating. It can also take up time that you just don’t have. This is why we will shop for the best landscaping insurance package for your business’s specific needs, at the best rates. Does this sound like the kind of assistance you could use? Find out how we can help to protect your business now and in the future.
What if a member of your landscaping team gets injured while attempting to cut down a tree? And what if this tree not only causes injury to your employee, but also to your client’s fence that he just erected? Here comes your small business insurance policy to save the day.”
What Landscaping Insurance Coverage Do You Need?
Business Owners Policy
Includes two or more types of coverages packaged together in one policy. BOP is designed for the small to medium sized business with limited exposures like offices and small retail outlets.
Provides protection in case a vehicle under your care is damaged by fire, theft, vandalism or collision.
Commercial Auto Coverage
Covers your company’s vehicles.
Equipment Breakdown Coverage
This coverage has 3 separate parts, damage from an accident to covered items, damage to other property of the insured as a result of the accident and loss of income due to the damaged items covered.
Benefits of get insured by
Small Business Liability.com
Small Business Liability.com have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.
If you have any questions, we are staffed with experts in the insurance field willing to help.
With our expertice we can guide you to the right coverage for your business.
We know your time is really thight, but you can set up a call at any time, we are 24/7.