Landscaping Company Insurance
Denver, Hickory, Lincolnton, Maiden, Mooresville, Mount Airy, Mount Holly, Pilot Mountain, Shelby, Statesville, West Jefferson, Wilkesboro, Winston Salem, Yadkinville

One positive you probably didn’t know about owning a landscaping company is that, for the most part, you don’t need any specialized coverages. Your ideal policy is very similar to a standard business insurance policy. Coverages you should consider may include:

Commercial Liability

As a landscaping company owner, you are potentially liable for every product, service, and operation related to your business. Even though you stress sound procedures throughout your business, the fact remains that no person or machine is perfect. Despite your best efforts, if your business causes any property or physical damage to a third party, you and your business may face litigation. Commercial liability insurance is designed to protect business owners and assets from a variety of exposures.

Property Insurance

In a worst-case scenario, imagine a fire breaks out and you lose your entire inventory. Or your business is burglarized, causing physical damage and possibly lost assets. Your ability to recover from these incidents is dependent on your commercial property insurance. Any of your business’ assets — like a storage space for equipment, lawnmowers, shears, edge trimmers, etc. — can be protected with a property insurance policy.

Business Auto

Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Commercial auto insurance provides valuable protection for your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes.

Workers Compensation

If you employ any number of workers who are not considered owners of the business, you are legally required to maintain a workers compensation policy. You do your best to maintain a safe work environment, but if any of your employees are injured or become ill on the job, you are legally responsible. A workers compensation policy can cover the payment of your employee’s medical expenses, lost wages, and rehabilitation costs.

Excess/Umbrella

Without an excess or umbrella policy, a catastrophic claim could deplete your future income and business assets. Every business is vulnerable to devastating losses and lawsuits that could exceed your primary insurance coverage. This is critical coverage —especially for small to mid-sized businesses.

Inland Marine

Do you have business equipment, materials, or supplies in transit? Do you store business property in an off-site location? Do you have lawncare equipment or heavy machinery staying at a job site overnight? If your equipment or materials are damaged in any of these situations, your standard property insurance policy wouldn’t cover them. Protect your most valuable business property or equipment, wherever it may be, with inland marine coverage.

The downside of landscaping insurance is that there’s not a one-size-fits-all solution. Instead, making sure you have the right coverage generally means stitching together different pieces to create a whole.

This is why a lot of small companies work with a broker. An insurance broker can analyze your landscaping company’s risks, find the insurance “pieces” that will work best for you, and then put them together to create a tailored insurance bundle.

Who needs landscaping insurance?

There are many types of specialists whose work qualifies as lawncare or landscaping. Some examples of specialties that can benefit from landscaping insurance include:

• Tree removal and pruning
• Excavation
• Land grading
• Irrigation installation and maintenance
• General lawncare
• Pesticide application
• Hardscape design

How much does landscape insurance cost?

Pricing for landscaping insurance varies a lot, but most businesses report paying between $400 and $800 per year. Here are some factors that may affect your business’s premium:

• Business size
• Business location
• Services your company offers
• Number of employees
• Revenue receipts
• Value of business property
• Types of vehicles used

As professionals in business and landscaping insurance, we make it our business to know you and your concerns. We spend time listening and learning to better serve you, our clients.

You’ve worked incredibly hard to build your landscaping business. The next step is to protect it. We’ll assess your risks and help tailor an insurance policy for your lawncare and landscaping company.

We’d love to chat with you. Contact us today!

Frequently Asked Questions

• How can I lower my commercial property insurance premiums?

  You can lower your premiums by improving security measures, such as installing security systems, fire alarms, and sprinklers. Additionally, regularly reviewing your policy and comparing quotes can help you find cost-effective options.

• Are floods and earthquakes covered under standard commercial property insurance?

  No, floods and earthquakes are typically not covered under standard commercial property insurance. Separate policies are available for these types of coverage.

• What does commercial property insurance typically cover?

  Commercial property insurance typically covers damage or loss due to fire, theft, vandalism, natural disasters, and more. It includes buildings, equipment, inventory, and outdoor signs.

• What risks does rafting insurance cover?

  Every rafting insurance policy is unique, meaning every policy premium will also be unique. Because there’s so much variation between rafting businesses, there’s no precise estimate for your premium. However, we can tell you what factors may influence how much you pay.

  • Your business’s location
  • Claims history
  • Size of your operation
  • Number of employees
  • Your chosen deductible
  • Amount of coverage you choose
• What risks does rafting insurance cover?

  Even if your guests have signed a waiver, you risk a lawsuit or liability claim if something goes wrong on your excursions. We provide coverage solutions for a variety of exposures faced by white water rafting outfitters and guides, including:

  • Equipment rentals
  • Guided water trips
  • Office/facility for rental purchases and instruction
  • Equipment storage areas
  • Transportation to and from the water
  • Food and beverage concessions
  • Instruction
  • Camping
  • Hiking
  • Retail sales
• What type of rafting insurance do I need?

  The exact coverage you need will vary based on your business’s operations. However, some types of insurance can benefit almost every rafting business.

  • General Liability – Protects your company against bodily injuries, property damage, product damage, and more.
  • Commercial Auto – Even if you use a personal vehicle for work, a personal auto insurance policy doesn’t cover the car while it’s used for work purposes.
  • Watercraft and Boat Liability – Can cover costs for boat repair or replacement, damage to someone else’s property, and medical bills when people are injured.
  • Retail Property Coverage – Offers commercial structures, business personal property, and machinery protection.
  • Inland Marine Equipment Coverage – You can protect stored equipment in an off-site location and any equipment you’re transporting.
  • Workers Compensation – If any employees are injured or become ill on the job, this insurance can cover the payment of their medical expenses, lost wages, and rehabilitation costs.
• Do I need rafting outfitter and guide insurance?

  Do you rent rafts or give rafting lessons? Do you guide clients across waterways or downriver? Or are you hosting a special event that includes rafting? If yes, you should consider purchasing a rafting insurance policy.

• What is food manufacturing insurance?

  Food manufacturing insurance covers a wide range of policies available to help protect against the risks faced by food and beverage manufacturers and bakeries. There isn't a single bakery insurance policy that covers your entire range of risks instead, policies are tailored to fit the specific needs of your company! Your business is unique, which means your insurance needs to be unique as well. There are coverage options for every type of food manufacturer or processor you can imagine. Some examples include:

  • Commercial Bakeries
  • Dairy Processors
  • Grain Millers
  • Meat Processors
  • Nut Hullers
  • Pasta Manufacturers
  • Poultry Processors
  • Frozen Food Manufacturers
  • Breweries
  • Confectionaries
• What is farm and ranch liability coverage? 

  Farm liability coverage is different from general liability coverage, even though they sound very similar. General liability is just that  general. Farm liability can be broken down further into more specific coverages. Here are a few types of specific liability policies available for different agricultural industries. 

  • Farmers Market/Roadside Stand
  • Agritourism/Agritainment
  • Equine Operations 
  • Farm & Agricultural Pollution 
  • Seedmen's Error & Omissions
  • Liquor Liability
• Who needs family fun center insurance?

  Every family entertainment center can benefit from a customized  insurance policy. If you're wondering whether your business qualifies as a family fun center, the following definition may help. Family fun centers are businesses with games, devices, and attractions designed and manufactured only for the bona fide amusement purposes of the general public. Some examples of businesses and operations covered by family fun center insurance include:

  • Trampoline Parks
  • Obstacle Courses
  • Bowling Alleys
  • Ice Skating Rinks
  • Roller Skating Rinks
  • Miniature Golf
  • Batting Cages
  • Go-Kart Facilities
  • Outdoor Driving Ranges
  • Ride Simulators
  • Escape Rooms
  • Indoor Laser Tag
  • Arcades
• What does professional liability insurance look like?

  Not every professional liability insurance policy looks the same. Claims-made and occurrence policies are the two most common coverage options. While both give you a second line of defense, they have fundamental differences.

  1. Claims-made policies only cover a claim if both the service or advice was provided and the lawsuit was filed while the policy was active.
  2. Occurrence policies will cover claims that take place during the coverage period, even if the treatment did not occur during the active policy.
• What does family entertainment center insurance cover?

  Family entertainment center insurance policies generally cover the same things.

  • General Liability
  • Commercial Property
  • Commercial Auto
  • Workers Compensation
• What does dude ranch insurance cover?

  Guest ranch insurance policies generally cover the same things.

  • General Liability
  • Commercial Property
  • Mobile Equipment Coverage
  • Commercial Auto
  • Crime Coverage
  • Workers Compensation
  • Abuse and Molestation
• What is captive insurance?

  A captive insurer offers insurance policies created explicitly for a specific industry by a specific industry. Captive insurance is unique because the companies are entirely owned and operated by the insureds.

  Captive insurance agencies are organized and used by insureds when the standard products offered by traditional insurance companies don't meet the risk financing needs of the insureds. While it can be a good alternative insurance option, there are a couple of things to keep in mind.

  1. Those who participate in captive insurance put their own capital at risk
  2. Captive insurance works outside of the commercial insurance marketplace

  Advantages of captive insurance

  • Coverage is often tailored to the exact needs of an industry.
  • Well-established captive insurers have a greater ability to retain risk and protect against rapid fluctuations occurring in the commercial market.
  • Participants have ownership of the company and have a say in business services and decisions.
  • You don't have to pay an overhead covering a commercial insurer's acquisition costs, admin, overhead, and profit.
  • Improve cash flow through reduced insurance costs, insulation from market fluctuations, and more time available for you to spend focused on your business.
  • Insurance programs and policies can be customizable.
• What does a BOP cover?

  A BOP might be an excellent insurance solutions for your small business because it allows you to get several critical policies within one place. Most offer:

  • Property & Contents Insurance 
  • General Liability Insurance
  • Business Interruption Insurance
  • Cyber liability insurance
  • EPLI coverage
  • professional liability (E&O) coverage
  • D&O coverage

  Let your agent help you decide the right way to obtain this additional coverage.

• What insurance do bakeries and food processors need?

  The exact coverage you decide on will vary based on your business's needs and risks. However, a few types of food manufacturing and bakery insurance coverage we recommend including the following:

  • General Liability
  • Commercial Property 
  • Bakery Manufacturing Insurance  
  • Bakery Equipment
  • Equipment Breakdown
  • Spoilage Coverage
  • Workers Compensation
  • Commercial Auto
• How much will haunted house insurance cost?

  The best way to answer this question is, It depends. Your premium will depend on how much risk you're willing to carry, combined with factors that determine how much risk your haunted house faces. Some of these risk-determining factors include:

  • How many attendees your haunted house has per day.
  • Estimated gross sales receipts.
  • Payroll.
  • Whether your haunted attraction is indoors, outdoors, or a combination of the two.
  • Staff and volunteers trained in first aid.
  • Location of the closest medical facility.
  • Number and type of special effects that are used throughout the haunt.
• What does medical liability insurance look like?

  Claims-made and occurrence policies are the two most common coverage options. While both give you a second line of defense, they have key differences.

  Claims-made policies only cover a claim if both the treatment occurred and the lawsuit was filed while the policy was active.

  Occurrence policies will cover claims that take place during the coverage period, even if the treatment did not occur during the active policy.

• What does haunted house insurance cover?

  You can buy many types of haunt insurance, but what's included in your policy depends on what you need. Not every haunted house is the same, and your insurance is the same way.

  • General Liability
  • Commercial Property
  • Inland Marine
  • Commercial Auto
  • Workers Compensation
• How much does hospitality insurance cost?

  Unfortunately, there's no single estimate. You run a unique business with lots of different factors affecting your premiums. These factors include:

  • Your business's location
  • Additional services and activities offered
  • Square footage of your hospitality business
  • Presence of a pool
  • The type of food and drink you serve
  • How long your business has existed
  • Your hours of operation
  • The age of your building
  • Number of employees
  • Type of fire and security systems