Low Cost Landscaper Insurance in Gainesville
Our agency will help you determine which lawn care insurance plans are best for your business’s specific needs and the policy limits you should consider for your location. Industry-standard policies include:
General liability insurance: If you damage a customer’s property while mowing their lawn or accidentally cause them injury, general liability insurance will protect you if they decide to sue you. Oftentimes, small lawn care businesses can find savings by combining this policy with commercial property insurance (see details below) in what is known as a business owner’s policy.
Commercial property insurance: Commercial property insurance reimburses you for the stolen or damaged property you need to run your business, regardless of whether you store it at home or at an office. Consider contractor’s tools and equipment insurance, which protects lawn care equipment in transit.
Business owner’s policy: This policy bundles general liability and commercial property insurance for a lower premium than if you purchased both separately. Whether an insurance carrier will sell you a business owner’s policy depends on your revenue, number of employees, and level of risk.
Workers’ compensation insurance: If you have even one employee, most states require you to purchase workers’ comp insurance to cover any job-related injuries or illnesses.
Commercial auto insurance: Lawn care business owners constantly move from job to job, but personal auto insurance may not cover damages from an accident that happens when you or an employee is driving for work. To protect yourself, consider commercial auto insurance and hired or non-owned insurance if you do not have dedicated business vehicles.
Umbrella insurance: Umbrella insurance backs up your general liability and commercial auto coverage and kicks in when a claim exceeds those policies’ limits.
Cyber liability insurance: Cyber liability coverage may not apply to all lawn care and landscaping businesses, but if you accept payments online, it covers you in the event of a data breach that compromises customer information.
It is worth noting that some carriers will allow you to name additional insured parties on your policy at no extra cost. For example, this is useful if your lawn care business works for a homeowners’ association that could be held liable because of alleged negligence on your part.