Landscaping Insurance

The Business Landscape 

How to take your landscaping business to the next level.

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.

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.

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.

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 …

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.”