Basic Insurance for Landscapers: Understanding Your Biggest Risks

Hello everyone, I am Josh Sexton with Craddock Insurance. I am excited to kick off a new series called Basic Insurance for Landscapers. This series will walk through the key coverages and risks that every landscaping business owner should understand.

Today’s post is just an overview, but it is an important one. Landscaping is hands-on, physical work, and a lot can go wrong if the right protection is not in place. Let’s start with a few examples.

Imagine you are mowing a property and your mower throws a rock that shatters a client’s car window or breaks a window on their house. It is a simple accident, but it could cost hundreds or even thousands of dollars to repair. If you do not have the proper insurance, that payout could come directly out of your pocket.

That is where general liability insurance comes in. It covers situations where your work causes damage or injury to others.

Now, think about your employees. Suppose one of them spends a long day mowing lawns in the middle of July here in Gainesville, Georgia. It is hot, and despite your best efforts to keep everyone hydrated, one of your team members ends up suffering from heat stroke and needs to go to the hospital.

Who pays for those medical bills?

If your company has workers compensation insurance, the coverage can help take care of those medical costs, replace lost wages, and even provide rehabilitation benefits to help your employee recover and return to work.

Without workers compensation, those expenses could fall directly on you as the business owner.

These are just two examples, but they show how important it is to understand your business risks and have the right coverage in place. Over the next few weeks, we will be breaking down each major policy that landscaping companies rely on, explaining how they work and what to look for when building your insurance plan.

If you would like to make sure your current coverage is set up correctly, fill out the short form below to schedule a quick review with our team at Craddock Insurance.