Giving customers the lawn they always dreamed of can be the best reward for a landscaping business owner, but can also come with several risks. Get Landscaping Insurance for your Business!
Employees could face injuries or illness on the job, objects could cause property damage when thrown from mowers or trimmers, or your business website could even be compromised. Thankfully, Northeastern Insurance offers coverage options that can prevent any of these risks from being detrimental to you or your business.
Common Coverages offered for Landscaping Insurance:
Business Owner’s Policy-
Protect your landscaping business with a business owners policy! Get coverage against any injuries or property damage to tools, equipment, office space, and more.
Workers compensation insurance is required in New York State and provides medical benefits, loss of wage, and coverage for rehabilitation costs if an employee has a work-related injury or illness. No one ever plans for an injury or illness, so it’s important to have the right coverage for when you least expect it!
Commercial Auto Insurance-
For any vehicles or trucks that are used solely for business purposes, have coverage in place if they are ever involved in any accidents or claims.
As they become more common, cyber-attacks and security breaches could potentially put someone out of business. It has become increasingly more important to protect the privacy and data behind your business. In addition to all the physical coverages, make sure your business is protected on the web!
Coverage that can help protect from many of the unexpected financial challenges that may result from the risks that come along with the landscaping business. For any injuries, property damages, or medical expenses you and/or your employees have on the job- make sure all parties are protected.
Also known as Errors and Omissions coverage. Professional liability insurance provides protection from the risks one faces that are directly a result from delivering the professional service. Accidents happen, but business shouldn’t have to suffer as a consequence. Have coverage in the event a customer sues due to negligence, regardless if your business is at fault or not. Professional liability will cover the cost of legal fees, as well as any settlement or judgment.
Things to Consider
Multiple factors go into calculating landscaping and lawn care insurance cost, including the exposure and coverage needs. For example, a landscaping business that strictly does mowing and edging will pay a different premium than a landscaping business specializing in hardscapes.
Connect with a Local Agent
Give us a call today to discuss the best fit for you and customize coverage for your landscaping business!