Having the proper lawn care insurance coverage for your lawn care services business is a must. Not only to protect your lawn care or landscaping business, but to also help protect you from the unfortunate as a small business owner in general.
Even as a professional at lawn care or landscaping, no matter how many years of experience you have under your belt, there are times when something goes wrong and those situations may never actually be your own fault or doing. These instances may not even be able to be foreseen or even prevented by yourself―sometimes accidents just happen. The right lawn care insurance coverage or landscaping insurance coverage will help to protect you and your business through these times and can even help to keep your lawn care or landscaping business afloat even in the most severe of cases.
Situations where lawn care businesses need insurance;
- An employee gets hurt on the job and files a claim against you
- Pets or humans get sick from pesticides or herbicides applied to property
- Someone slips and falls or gets hurt in your work area and they sue you
- Damage is accidentally done to a clients property and they sue you
- A piece of your equipment gets damaged and prevents you from working
- Your van, truck, or car gets in an accident; or is hit by another vehicle while parked (most personal auto policies don’t cover your car for business use)
- You apply chemicals or fertilizers to a yard and it burns the grass
- One of your employee’s steals something from one of your clients
- Your office, workshop, equipment, or even computer are damaged by a flood, wind storm or other natural disaster (for those who work out of their home, please remember that most home owners policies don’t cover your business items)