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 a 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 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.
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.
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:
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:
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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