If you have a lawn care business, you serve an essential public duty by taking care of public parks, private homes, and other green spaces. You may never have considered it, but in many ways, this is similar to insurance. It requires attention to detail and performs a maintenance function to ensure clients are always well looked after.
However, many lawn care professionals may never have considered the importance of lawn care to their business. Yet, without insurance, one accident can be the difference between a thriving business and 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 is the name we give to the bundle of insurance policies gathered together for lawn care professionals' specific needs. They typically cover bodily injury, property damage, and any claims filed against your negligence. Each policy may be different, or you may purchase the various coverages separately. The choice is up to you.
For sole proprietors, you are held personally responsible for any damage or loss that occurs. Suppose you accidentally damage a customer’s property, or you unintentionally injure someone with your machinery. In that case, you will be required to pay for any costs that occur. This can include expensive lawsuits, so even if you are not at fault, you can still be bankrupted with legal fees.
Also, being covered by insurance will attract customers, mainly 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.
The exact composition of policies in your lawn care insurance will depend upon the nature of your business. If you are a small enterprise with no employees, your insurance needs will differ from a small business that runs an office. Therefore, discuss the best options with your insurance provider. However, the insurance policies most applicable include:
Insurance is designed to save you money in the long run. It is a safety net for when things go wrong. However, that shouldn’t stop you from trying to reduce the costs you pay. Here are some tips to consider when purchasing insurance:
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The information contained in this website is provided for informational purposes only, and should not be construed as advice on any matter. The material in this website may not reflect the most current developments within the insurance industry. We disclaim all liability in respect of actions taken or not taken based on any or all of the contents of this website to the fullest extent permitted by law. Do not act or refrain from acting upon this information without seeking professional advice from a licensed insurance agent.