Here at InsuranceHub, we supply affordable:
- Landscaping insurance
- Lawn care insurance
You have worked hard at building up your lawn business and you have spent many years in the trenches to become an expert. You are rightly concerned about protecting yourself from liability. After all, your clients rely on you for your advice and to take care of the landscaping. That is why you can be sued for negligence in the performance of your duties. The scary thing is that many landscapers and lawn mowing services run their business without liability insurance.
Here are a few of the top reasons lawn services are sued here in the US:
- Shoddy work
- Inadequate landscape lighting
- Worker injury
- Trip hazards
- Injury-related lawsuits
- Equipment loss and damage
- Injured clients
- Flooding and drainage issues
- Overgrown trees and shrubs
- Untreated lawns
What would you do if you were hit with a liability suit for more than your current insurance covered?
Thankfully, here at InsuranceHub we have experience helping:
- Landscape contractors: We understand what is involved in designing, installing, and maintaining lawn sod, plants, bushes, trees, and flower beds. We understand that you also design and build sprinkler systems, retaining walls, fountains, walkways, and ponds.
- Lawn maintenance services: We understand what is involved with mowing, fertilizing, and treating lawns. We also understand what is involved in tree trimming and pruning.
The best advice is to get everything in writing so that you live up to your clients' expectations. Take the time to communicate effectively and respond quickly to all customer phone calls, texts, and emails. Finally do preventative maintenance on your lawn equipment so that they don't break down, hurt you, and cause you to miss deadlines.
Types of exposure that landscape designers and lawn mowers need protection from:
Property exposures: Protect the plants, sod, and trees that you install and sell. Protect your lawn maintenance equipment including riding mowers, edgers, blowers, and bobcats. Store gasoline in approved containers and away from combustible items. Secure all fertilizers, lawn chemicals, and pesticides so that they are away from children and open flames.
Crime exposures: Check all potential employee backgrounds before hiring and allowing them to use company credit cards or receive customer payments.
Inland marine exposure: Do you offer credit to your clients? Do you transport plants, sod, and trees to your clients' homes or businesses? Do you move your lawn equipment back and forth between your shop and your customer's job location? Protect all of your equipment and paperwork from theft and damage.
Premises liability exposures: Anyone can slip, trip, and fall over equipment and landscaping materials while working on a site. If you are cutting down tree limbs, then make sure that no vehicles, pets, or people are nearby. Make sure you post warning signs if you treat the lawn with toxic chemicals.
Environmental impairment exposure: Do you treat lawns with weed killer or pesticides? Make sure you have the correct licensing to use such chemicals. Make sure you post signs for people to not walk bare footed or for pets to walk on the lawn. Store and dispose of chemicals and chemical waste according to local and state regulations.
Automobile exposures: Please check DMV records on all new drivers! Provide safety training for special equipment like lifts, cherry pickers, and tree planting or removal equipment.
Workers' compensation exposures: Your risks are high here as you have employees running gas-powered machinery. You may also have them climbing and trimming trees. Beware of back problems with laying sod and moving trees. Finally, ensure that employees wear protective clothing when applying toxic chemicals to lawns and flower beds.
Minimum recommended lawn service insurance coverage:
Other landscapers insurance coverage to consider:
- Business Income with Extra Expense
- Crop Insurance
- Hail Insurance
- Leasehold Interest
- Real Property Legal Liability
- Goods in Transit
- Installation Floater
- Valuable Papers and Records
- Environmental Impairment Liability
- Stop Gap Liability
- Employment Practices Liability
- Business Auto Liability and Physical Damage