Landscapers

Keep the green in your landscaping clients' pockets with proper insurance coverage.

Working outdoors presents a wide variety of risks. Landscapers face potential injury from working with heavy equipment, exposure to extreme temperatures, handling chemicals and plants, or insect bites, just to name a few. In addition, landscape clients need to protect their equipment, vehicles and employees, as well as themselves from unhappy clients. Ensure landscapers don't miss a season with an insurance plan designed just for them. 

landscapers at work

What type of insurance do landscapers need? 

Landscapers and landscaping companies should find coverage with a specialty carrier. There are a number of types of coverages landscapers should consider carrying:

  • General Liability: Covers property damage and bodily injury from third party claimants (property owners).
  • Worker's Compensation: Protects landscaping employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.
  • Professional liability: Covers landscapers in the event a third party takes legal action against them, alleging they provided advice or recommendations that resulted in a loss.
  • Product liability insurance: Protects from claims due to faulty materials used on a job.
  • Commercial Auto: Covers damage and liability on work related vehicles.