Landscaping insurance is a great way to protect your business from the potentially devastating effects such losses can have on your financial future. Here are some sticky situations you may find yourself or one of your employees in:
Pets or humans get sick from herbicides or pesticides used on the property
One of your employees gets injured on the job and files a claim against you
A client or non-employee slips and falls or gets hurt in your work area, and decides to sue you
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Damage is accidentally done to a clients property, and they sue you
A piece of your equipment is damaged preventing you from working
Your truck, van, or car gets in an accident; or is hit by another vehicle while parked (it’s important to note most personal auto policies don’t cover vehicles used for business)
You apply fertilizers or chemicals to a yard, and it burns the grass
One of your employees steals an item from one of your clients
Your office, equipment workshop, or even computer are damaged by a flood, wind storm, or another natural disaster
Landscapers and other various lawn care businesses are often exposed to risks that can lead to accidents and financial loss. Landscaping insurance can protect your business from the potentially devastating effects that can result from those risks.
Basic landscaping and lawn care insurance:
General Liability: This is the most common form of landscaping liability insurance. It covers instances of bodily injury, property damage, and other liabilities for which your business is responsible. Certain clients might consider this coverage a prerequisite to working for them.
Commercial Auto: If you use your vehicle to transport work supplies such as mowers, fertilizer, and tools, you’ll likely need a commercial auto policy. Standard auto policies typically have coverage limitations or restrictions for vehicles used for work. We insure many vehicles common to landscapers including dump trucks, pick-ups, and utility trailers.More about landscaper insurance
Other insurance for landscapers:
Business Owners Policy (BOP): Combines General Liability and coverage for commercial buildings and personal property into one package.
Workers’ Compensation: Protects your employees who become injured or ill while at work.
Louisiana Landscaping Insurance
April Showers Bring May Flowers and the need for Landscaping Insurance and Lawn Care Insurance
Landscaping Insurance and lawn care insuranceWell, not exactly. If you live in South Louisiana, many plants are already in full bloom. With our warmer winters, Grass Cutting and Lawn Care Season can start as early as February, making this industry nearly year round. As the grass begins to grown, remember to protect your business with Louisiana Landscaping Insurance and Lawn Care Insurance. Call Ozark Insurance Agency today at 225-775-7614 for your free insurance quote.
Someone trips or falls in the area where you are working, and sues you
Your equipment gets damaged
Your employee gets hurt on the job
Typical fender bender to your work vehicle
Bonds can cover one of your employees stealing from your customer
If you damage the property of your client
Give Your Louisiana Landscaping Business Full Protection
Rocks flying into windows, nearby cars or worse another person can hit your wallet hard. Make sure that you have general liability coverage included in your Landscaping Insurance policy to soften the blow. You don’t intend to cause damage, however those pesky little rocks show up where you least expect them. Rocks are not your only concern; the list of things that can go wrong are endless. Let the professionals at Ozark Insurance Agency go to work for you. We have over 41 years of experience, so we know how to find the best Lawn Care Insurance at an affordable price. Call us today at 225-775-7614 or simply fill out the quote request form above.
As trucks hauling trailers overloaded with equipment flood the streets, don’t forget about your equipment and employees. Cover your entire business with Baker Landscape Insurance. Ozark Insurance Agency can offer other insurance such as Equipment Insurance, Workers Compensation Insurance and Business Auto Insurance. Let us put together a full package for your landscaping businesses.
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