Lawn care and landscaping professionals rely on some expensive equipment, such as hedgers and riding mowers. They also need space to store their gear, plus trucks, vans, or trailers to move it. Moreover, whether they are installing a sprinkler system or removing snow after a storm, the work they do is very physical. All of these exposures require different policies to ensure adequate protection.
Your client's physical labor, gear, and travel to and from worksites increase their chance of lawsuits, property loss, and work injuries. These policies can help address your client's exposures:
General Liability Insurance
There is always a possibility that a third party (i.e., someone other than the insured) could sue your client - especially when they work on customer property. For example, a customer might claim your client damaged their property while installing a sprinkler system. If they sue for compensation, General Liability Insurance covers your client's attorney fees, settlements, or judgments.
Property Insurance / Business Owner's Policy (BOP)
Property Insurance is a vital coverage for a client in lawn care. Without their equipment, most landscape designers would be unable to fulfill their contracts. Not only does Property Insurance cover their equipment against loss or damage, but it also covers your client's office space and storage facilities. Depending on the size of their business and its risk profile, your client may qualify for a Business Owner's Policy (BOP). BOPs combine General Liability with Property Insurance at a discounted rate.
Workers' Compensation Insurance
Your client's lawn care employees run a high risk of work injuries, which is why Workers' Compensation Insurance is essential coverage. Plus, most states require employers carry some level of Workers' Comp. It covers your client's employees' medical expenses and lost wages when they are hurt on the job. It can also protect your client if an injured employee decides to sue for negligence.
Umbrella / Excess Liability Insurance
Sometimes customers may want your client to carry more coverage than they usually do. Excess Liability Insurance can help your client meets these requirements without raising their General Liability Insurance premiums. So when a client is sued for damaging someone's property and the court-ordered compensation exceeds their GL limits, the client can make a claim on their Umbrella policy to fund the difference.
Commercial Auto Insurance
If your client drives trucks or vans titled in the company name, they need Commercial Auto Insurance. Commercial Auto can pay to repair your client's vehicles if they are involved in an accident or damaged some other way (e.g., hail or vandalism). Your client might also want coverage for underinsured or uninsured motorists, roadside assistance, and medical expenses.