Landscaping Company Insurance
Greenfield, Salinas

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

• Do truckers need general liability insurance? 

  General liability insurance is different from trucking liability insurance. They sound similar but cover very different things. You don't need it like you need trucking insurance, but it's still very beneficial coverage to have.  With general liability insurance, you cover things associated with business, not trucking or transportation themselves. A couple of these coverages include: 

  • Bodily injury and property damage that occurs due to a covered incident. 
  • Personal or advertising injury. 
• What does trucking insurance cover? 

  Every trucking insurance policy is a little different from the rest based on your or your company's needs. That said, there are several common coverages you can include when building your trucking liability insurance policy.

• How much does trucking insurance cost? 

  Your commercial trucking insurance premium can vary a lot from someone else's, even if you're in similar situations or have similar policies. Some factors that affect premiums include:

  • The type(s) of vehicles you're insuring.
  • How far vehicles are traveling per year.
  • Types of cargo. Drivers' driving records.
  • The location of your center of operations.
  • Standard operating radius.
  • How you store the vehicle(s).
  • Amount of coverage you opt for.

  As commercial trucking insurance professionals, we strive to know you and your worries. We spend time listening and learning to serve you better and help you find solutions. You've worked hard to build and promote your trucking operation. The next step is to protect it. We'll assess your risks and help you tailor an insurance policy. We'd love to chat with you. Contact Leavitt Central Coast Insurance Services today!

• Not sure which of these coverages is right for your construction firm?

  Our staff provides accurate and timely delivery of certificates of insurance. We also provide assistance and reviews of certificates and risk transfers. With our understanding of the design and administration of wrap-ups, we can help contractors navigate the construction defect litigation landscape. Our tailored risk management solutions enable contractors to respond to market fluctuations and better predict future costs.

• Who needs construction insurance?

  If you're in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. Businesses involved in construction work often specialize in trades like:

  • Excavation
  • Home Improvement
  • Land Clearing
  • Remodeling
  • Home Building
  • Asphalt Laying
  • Welding
  • Fence & Deck Building
  • Concrete Laying
  • Stone & Granite Work
  • Roofing