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Landscapers’ Insurance
What Is Landscapers’ Insurance?
Landscaping businesses face unique risks, from accidental property damage to employee injuries while working with heavy machinery.
Landscapers’ Insurance provides essential protection to cover liability, property damage, and equipment losses, ensuring businesses can operate smoothly even in the face of unexpected incidents.
Who Needs Landscapers’ Insurance?
- Lawn care and maintenance businesses
- Landscape designers and architects
- Hardscaping and outdoor construction companies
- Tree trimming and removal services
- Irrigation and sprinkler system installers
- Snow removal contractors (often seasonal add-ons to landscaping businesses)
Key Insurance Policies for Landscaping Businesses
General Liability Insurance: Covers third-party bodily injuries and property damage, such as accidentally damaging a client’s sprinkler system or a passerby tripping over equipment.
Commercial Auto Insurance: Protects vehicles used for transporting tools, employees, and materials.
Workers’ Compensation Insurance: Required in most states to cover medical expenses and lost wages for injured employees.
Inland Marine Insurance: Covers landscaping tools and mobile equipment like mowers, trimmers, and trailers.
Equipment Breakdown Insurance: Protects against unexpected mechanical failures of essential equipment.
Professional Liability (E&O) Insurance: Covers claims arising from design mistakes or service-related negligence.
Common Risks in the Landscaping Industry
- Injuries from using heavy equipment
- Damage to client properties (e.g., broken fences, irrigation mishaps)
- Equipment theft or vandalism
- Auto accidents while transporting equipment or traveling between job sites
- Pesticide or chemical exposure leading to environmental liability
Most Frequent Claims in Landscaping
- Property damage from landscaping work (e.g., damaging underground pipes)
- Employee injuries from operating equipment
- Auto accidents involving company vehicles
- Theft of landscaping equipment from job sites or storage areas
Commonly Overlooked Coverage Gaps
- Herbicide & Pesticide Liability: Essential for businesses using chemicals for lawn care and pest control.
- Pollution Liability: Covers environmental damage caused by landscaping materials, runoff, or chemical spills.
- Completed Operations Coverage: Protects against claims arising after a project is completed, such as improper tree planting leading to property damage later.