Landscaping liability insurance

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Landscaping liability insurance

Landscaping liability insurance is an important type of insurance for anyone who owns a landscaping business or provides landscaping services. This type of insurance provides coverage for a wide range of potential liabilities, including property damage, bodily injury, and more.

When looking for landscaping liability insurance, it is important to consider the specific risks associated with your business or activities. For example, if you use heavy equipment or work with large trees, you may need additional coverage to protect against potential accidents.

Some key features of landscaping liability insurance may include coverage for:

Property damage caused by your business activities
Bodily injury or harm to others caused by your business activities
Product liability for any products you sell or distribute
Completed operations coverage for any work you have completed
Damage to customer property while on the job site

In addition to these basic coverages, some landscaping liability insurance policies may also provide coverage for additional risks, such as pollution liability or professional liability.

It is important to carefully review the policy and consider the deductible and premium associated with the coverage. You should also consider the level of coverage you need to adequately protect your business.

Overall, having landscaping liability insurance is an essential part of protecting yourself and your business from potential legal and financial risks. By taking the time to carefully consider your insurance needs and shop around for the best coverage, you can ensure that you are well-protected and can continue to provide high-quality landscaping services to your customers.

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What is general liability insurance?

First of all, we must emphasize that many call general liability insurance by various names such as business liability insurance, commercial general liability insurance, insurance business liability… But it is one and the same thing.

In short, it is business liability insurance. They protect your company if you cause property damage or bodily injury to someone. For example, your company injures a person, then you have to pay for that person’s treatment and possible legal claims. Which easily comes to $1000.00. Without this insurance, you pay for it out of your own pocket, which can easily destroy your company and put you in debt.

General liability insurance coverage

Protects your business from claims.
Property damage
Physical injury
Defense costs
Personal and advertising injury

What Does General Liability Insurance Not Cover?

General liability insurance will not cover you if you or your employees have caused intentional damage or committed an illegal act.

Injuries or illnesses of your employees. For this you will need Workers’ Compensation Insurance.

Claims that cost more than your policy covers. For this you need a commercial umbrella insurance policy

Demage caused by advice or intellectual service. For this you need professional indemnity insurance

Damage caused by your company vehicle or a rented vehicle or construction machine. On your way to work, at work… You’ll need a commercial auto insurance policy for that.

Damages to own business property. For this you will need a business property insurance policy.

General liability insurance cost

Many factors affect the price of general liability insurance. Request a quote so we can find the best price for you, on average small businesses pay about $1,000 a year for general liability coverage. Take in consideration the other policies that should be included in your contractor insurance