SunGate Insurance Agency Blog
Commercial Insurance for Lawn, Garden, and Landscaping Contractors
The Sunshine State is a great place for anyone interested in a career in landscaping and/or lawn and garden maintenance!
With year-round warm temperatures and moist climate, everyone from homeowners to large-scale condominium buildings to commercial and industrial storefronts wants a green and gorgeous—and well-maintained—lawn and/or garden. And with today’s booming economy and thriving construction industry, the opportunities for an enterprising landscaper are seemingly endless.
Yet owning your own landscaping business—even in a booming economy—is not without risk. A successful landscaping business requires purchasing and maintaining a variety of expensive equipment and a fleet of trucks and trailers to move that equipment between jobs. It requires a warehouse and/or parking area where you can store your equipment, tools, and landscaping supplies at night and between jobs. And it involves working with equipment that is potentially very dangerous, even when handled by an experienced and careful crew. For example, what would you do if:
Any one of these common workplace accidents could spell financial disaster for you, your business, and even potentially your family if you are not properly protected with a comprehensive insurance policy. The right insurance policy can offer you both financial protection and peace of mind so you don’t have to worry should the worst case scenario happen to you.
What Coverages Should Landscaper’s Insurance Include?
Because landscaping and lawn and garden maintenance is considered a “higher risk” industry, due to the nature of the work and the type of equipment involved, a landscaping business will usually require more coverages than in a standard business insurance policy. Still, it is quite possible to develop a comprehensive insurance policy that won’t break the bank. Some of the coverages that should be included in any landscaping business insurance policy are:
When developing your insurance policy, it is important to take into consideration the risks you face in your specific industry (in this case, landscaping and lawn and garden maintenance), the amount of equipment and the number of employees you employ, and the types of work you plan to take on. It is also important to note the specific laws in your state and local area. In Florida, for instance, any business considered “general contracting”, which likely includes landscaping contractors, are required to carry Workers’ Compensation Insurance if they have at least one employee, either part-time or full-time. Moreover, the law in Florida also requires Commercial Auto Insurance on any business-owned or –operated vehicles.
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