Lawn Care Insurance

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:

• General liability insurance – Under general liability insurance, you will be covered for any bodily injury, property damage, or other liabilities described in your policy. Certain companies or clients will require you to have general liability insurance before hiring you. It also guards against lawsuits over negligence.
• Commercial auto insurance – Your primary money-making equipment will be your mower, fertilizer, and other tools. Getting them to the worksite is of the utmost importance. If you use a vehicle to transport your mower to a job, you will need commercial auto insurance to cover the vehicle in the event of a collision or other eventualities, such as fire, theft, and vandalism.
• Commercial property insurance – If you own or rent premises as office space or to store equipment such as the mower, it will cover damage to the property. This can also cover any property within, such as phones, computers, and furniture.
• Business owners’ policy (BOP) – The BOP combines general liability insurance and commercial property insurance into one policy package. It can be a cheaper form of insurance for lawn care professionals who own or rent a building.
• Workers’ compensation – If you employ additional workers in your lawn care business, then most states by law require you to have workers' compensation. It covers any injuries or illnesses to the employees while they are on the job and any legal fees from lawsuits.
• Inland marine insurance – When moving your mowers and other machinery between sites, you will need inland marine insurance to protect them. Commercial auto insurance only protects the vehicle and does not cover the contents.
• Umbrella insurance – If you work on high-priced properties and are concerned your limits will not cover the damage you might inflict, consider investing in an umbrella policy to extend the coverage.