Lawn Care Insurance

If you have a lawn care business, you serve an essential public duty by taking care of public parks, the yards of private homes, and other green spaces. This maintenance job requires great attention to detail to ensure that clients are always satisfied.

However, many lawn care professionals may never have considered the importance of insurance to their business. Without insurance, one accident can turn a thriving business into financial ruin.

In this article, you will learn what types of coverage lawn care insurance includes and how to save money on the policies.

Lawn Care Insurance

What Is Lawn Care Insurance?

What Is Lawn Care Insurance?

Lawn care insurance is usually a bundle of insurance policies tailored to the specific needs of lawn care professionals. The policies in the bundle typically cover bodily injury, property damage, and any claims filed against the business owner’s negligence. Each policy may also be purchased separately. It is up to the business owner to decide whether they want to choose all the necessary insurance policies on their own or opt for the bundle instead.

Do You Need Lawn Care Insurance?

Do You Need Lawn Care Insurance?

For sole proprietors, you are personally held responsible for any damage or loss to your clients and their property. For example, if you accidentally damage a customer’s property or injure someone with your machinery, you will be required to pay the associated costs. Furthermore, this includes expensive lawsuits, so even if you are not at fault, you can still be bankrupted with legal fees.

Also, having insurance is important for attracting customers, especially corporate clients. They may require you to purchase insurance before doing any business.

As mentioned, insurance providers often bundle together policies into a complete package. These can include general liability, commercial auto insurance, workers’ compensation, or a business owners’ policy.

What Policies Are Included in Lawn Care Insurance?

The exact policies in your lawn care insurance will depend on many factors. If you are a small enterprise with no employees, your insurance needs will differ from a small business that runs an office. To know what is best for your business, discuss the available options with your insurance provider. Even though there is variability in the packages offered, the insurance typically includes:

How to Save Money on Lawn Care Insurance?

Insurance is designed to save you money in the long run – it is a safety net when things go wrong. However, that shouldn’t stop you from looking for the best insurance deal out there to reduce recurring costs. Here are some tips to consider before purchasing insurance:

  • Do not go overboard – If you are an alone proprietor, there is no need to purchase every policy available. Focus on the risk in your day-to-day business and cover yourself accordingly.
  • Combine policies – When purchasing many policies, it can be cheaper to get them all from the same provider, because then you can bundle them. Bundle discounts can save you a significant amount.
  • Shop around – Though bundles can save you money, it is useful to shop around and look for the best deal. Each insurance company assesses risk differently, so their prices can also differ.
  • Ask for discounts – Whenever you are purchasing insurance, always ask if there are any discounts available – sometimes they might have deals going on that you didn't know about.
  • Consider who you hire – When hiring employees to drive or manage equipment, it is beneficial to get low-risk people and those without a prior history of accidents. If they have been in accidents before, that can increase the cost of your insurance.
  • Pay in full – Paying the entirety of your insurance in full as opposed to in monthly installments, saves you money over the long run.
  • Raise your deductibles – Increasing deductibles naturally leads to lower premiums. However, that means you will need to have more money saved up to cover the larger deductible when filing a claim.

Send us an email, give us a call, or fill out the free quote on our website if you want to ensure your IT business.

Not sure where to begin or need to review your options with an expert? Send us an email, give us a call, or fill out the free quote on our website and we will help you find the best insurance for your business.

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