So, do landscapers need insurance? The short answer is yes. Here’s why the right coverage is essential for protecting both your business and your livelihood.
1. What if I accidentally damage a client’s property while landscaping?
Tractors, mowers, and skid steers are powerful tools. A single mistake—like damaging an underground sprinkler system or knocking over a fence—can quickly lead to a claim.
Insurance solution: General liability insurance helps cover accidental property damage you cause while working on a client’s property.
2. What are common risks in landscaping?
Landscaping involves heavy lifting, sharp tools, and equipment with plenty of moving parts. Whether it’s you, an employee, or even a client nearby, injuries can happen in an instant.
Insurance solution:
- General liability covers injuries to third parties (like clients or bystanders).
- Workers compensation covers employees if they’re injured on the job.
3. How can I protect my landscaping tools and equipment from theft or damage?
Trailers full of mowers, blowers, and specialty landscaping tools are prime targets for theft. Even if you secure your gear, damage in transit or at the job site can disrupt your schedule.
Insurance solution: Contractors equipment (inland marine) insurance covers your tools and equipment whether they’re at a job, in storage, or on the move.
4. Why do I need insurance to gain landscaping contracts?
Many property managers and commercial clients won’t hire landscapers unless they show a certificate of insurance. Having coverage isn’t just smart—it can be the key to winning bigger jobs.
Insurance solution: Liability and workers compensation coverage make you eligible for contracts that uninsured landscapers can’t get.
5. Does my personal auto policy cover my landscaping trucks and trailers?
Most landscapers rely on trucks and trailers to haul equipment. But personal auto insurance usually won’t cover business use.
Insurance solution: Commercial auto insurance protects your work vehicles, trailers, and liability in case of an accident.
Running a business includes protecting yourself from risks that could undo your hard work. Insurance helps cover the unexpected so you can focus on growing your business and keeping your clients happy.
At Leavitt Select Insurance, we understand the specific risks landscapers face—from property damage to equipment theft to liability on the job site. Our team can help you find coverage that not only protects your business but also helps you qualify for the jobs you want most.
Want to make sure your landscaping business is fully protected? Contact us today to connect with one of our local advisors.
