Insurance is a must-have for any business, even a landscaping one. So you’re looking to start a landscaping business. Before you even set foot in a garden, you must invest in insurance. This article will tell you why you need coverage right from the start.
If you’re not sure what is included in landscaping insurance, you’ve come to the right place. We’re going to examine what this type of insurance is all about.
So, by the time you’re done reading, you’ll have the knowledge you need to select the best insurance for your company. Now that we’ve got your attention, let’s jump right into this guide. What is landscaping insurance and why do you need it?
Why Do You Need Insurance?
You need insurance for your company to cover yourself and employees if something goes wrong when you’re completing the job. Or, in the worst-case scenario, if a past client attempts to take legal action against you, you’ve got the coverage that you need to ensure the cost of your legal fees.
When you don’t have insurance coverage, you can find yourself paying out of pocket for insurance claims and legal issues. And trust us, you don’t want to do this because legal fees can get expensive, especially if the legal process is drawn out for whatever reason.
Retaining a legal team can cost quite a bit of money, depending on the experience and knowledge of the team that you’ve chosen to hire. Therefore, to relieve the headache and frustration, you will feel, paying out of pocket and having insurance will ensure that you’re not dealing with these things without financial support and coverage by the insurance company.
Now that you’ve understood why you need insurance coverage, here are some of the things that your insurance will take care of.
When an injury may occur to your employees or others that are around the working site. Whether the cause of the injury was the fault of your employees not marking off the landscaping site properly or people not paying attention when doing their jobs.
Either way, injuries can happen, and when they do, you’ll want to ensure that your insurance can take care of these things.
We understand that it’s not your intention to damage your customers’ property. But it can easily happen when you’re carrying equipment back and forth across the property. Damaging the property can include both exterior and underground damages.
For example, if you’re performing your landscaping duties and break a pipe in the ground that causes lawn flooding. The customer will be looking for you to pay for the damage caused by you and your workers. And when you’ve got insurance, you can easily have these repairs covered.
And having these things covered will help the customer feel better about how you and your company handled business. Especially, when it came to making the necessary repairs.
Types of Insurance to Consider
There are various types of insurance that you may want to have for your company. These types of business insurance will keep your covered no matter what situation arises. And when it comes to landscaping insurance cost, the price will vary based on all of the things that you’re adding on to your policy.
But, when considering the cost, think about the fact that you’d much rather have the coverage and not need it than to not have it and need it in the future.
If your employees get hurt on the job, they may apply for workers’ compensation to cover their lost wages and medical bills. Depending on the state you’re performing your work in, there will be varying laws enforced by your state.
Not adhering to these laws could land your company in legal trouble that you’d want to avoid.
If your company needs vehicles to reach work sites, which most companies do, you’ll want to have auto insurance. Auto insurance will cover any accidents that the cars are a part of and take care of vehicular damages.
If your company vehicles get into accidents and you don’t have coverage, you could be responsible for paying both yours and the other parties’ vehicle repair bills.
General Liability Insurance
General liability insurance is for general things that may occur on a job that a customer could complain about in the future. This includes coverage when it pertains to the materials that your company brings to the landscaping site.
If the chemicals that are used by your company cause harm to your client, it can lead them to file a customer complaint. And you’re going to want to have insurance coverage.
Landscaping Insurance, Yes You Need It
When it comes to landscaping insurance, it’s a must when it comes to operating your business. When your company expands, and you begin doing more business, there is no way that you can ensure accidents will never occur when your employees are completing a job.
You’re’ going to want to have insurance when these situations do arise, and that’s why you need to contact Farmer Brown Insurance Agency. They can service all of your insurance needs, from general liability insurance to commercial auto insurance.
Trust the experts when you’re done applying for your insurance. You’re going to be glad that you’ve got the best policy possible backing your company. What are you waiting for get the insurance coverage that your company needs today.