Landscaping and Lawn Care Insurance for Businesses
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Why is Lawn Care Business Insurance Important?
Business insurance for lawn care companies provides crucial financial protection for these businesses. Employees can experience injuries or illnesses, and you could be liable, so workers’ comp coverage is necessary. Equipment can even be stolen or affected by bad weather. A general liability policy with a tools and equipment upgrade covers those damages as well as liability for damage to customer/client property. If your business owns or leases vehicles, you should have commercial auto coverage.
All of these potential problems and issues can be resolved with a solid lawn care insurance strategy to protect your business from the unexpected.
Any Business That Offers Lawn Care and Landscaping Services Needs Landscaping or Lawn Care Business Insurance, Including:
- Arborists
- Commercial lawn care services
- Gardening companies
- Landscaping companies
- Landscape architects
- Landscape designers
- Landscape specialists
- Landscapers
- Lawn care business owners
- Lawn care foremen
- Lawn care specialists
- Lawn care technicians
- Lawn maintenance
- Lawn mowing services
- Residential lawn care companies
- Tree trimming services
What are the Different Types of Lawn Care Insurance and Insurance for Landscaping Businesses?
At biBERK, we offer six different types of landscaping insurance for small business owners like you. Depending on the location of your business and other factors, certain types of lawn care insurance might be better for you than others.
Workers' Compensation insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.
Workers' Compensationchevron_rightGeneral Liability insurance
Also known as commercial liability insurance, a general liability insurance policy is important. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your landscaping insurance policy, including cyber, employment-related practices liability, and employee benefits liability coverage, as well as coverage for tools and equipment. In addition, if your employees drive their own vehicles for work purposes, the business can be liable in the event of an accident, so you should add hired and non-owned auto liability coverage to your policy.
General Liabilitychevron_rightBusiness Owners Policy
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You’ll typically only need this type of policy if you have a physical location like an office or workshop. With this coverage, you'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, employment-related practices liability, and employee benefits liability. And you should add hired and non-owned auto liability coverage if employees drive their own cars for work purposes.
Business Owners Policychevron_rightCommercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Commercial Autochevron_rightCyber insurance
This coverage can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Cyber Insurancechevron_rightUmbrella insurance
Every lawn care insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: It can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_right
How Much Does Lawn Care Insurance Cost?
Your lawn care insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get the answer to the question “How much does lawn care insurance cost?” by obtaining convenient online quotes for all the policies you need.
For more details on the cost of insurance for a landscaping business, contact one of our helpful policy advisors today.
Why biBERK for Lawn Care and Landscaping Business Insurance?
We’re the experts when it comes to business insurance for lawn care companies.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Get a Quote Today
See why biBERK is easier and more convenient for landscaping and lawn care business insurance when you obtain your free quote online. Finding lawn care business insurance shouldn’t be stressful. We’re all about making things simple and convenient for business owners.