Lawn Care and Landscaping Insurance for Businesses
Protect Yourself With Landscaping and Lawn Care Business Insurance
From damage to a customer’s property to employee injuries, lawn care and landscaping businesses have to be prepared for the potential financial impact from a wide range of risks. For these reasons, finding the best lawn care company insurance policy is essential.
At biBERK, we provide tailored landscaping business insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a landscaping insurance policy, manage it, and report claims online for ultimate convenience.
Why is Lawn Care Business Insurance Important?
Business insurance for landscapers provides crucial financial protection for these businesses. Employees can experience injuries or illnesses, and you could be liable, so workers’ comp coverage is necessary. Equipment can even be stolen or affected by bad weather. A general liability policy with a tools and equipment upgrade covers those damages as well as liability for damage to customer/client property. If your business owns or leases vehicles, you should have commercial auto coverage. All of these potential problems and issues can be resolved with a solid lawn care insurance policy to protect your business from the unexpected.
Any Business That Offers Lawn Care and Landscaping Services Needs Landscaping or Lawn Care Business Insurance, Including:
- Commercial lawn care services
- Gardening companies
- Landscaping companies
- Landscape architects
- Landscape designers
- Landscape specialists
- Lawn care business owners
- Lawn care foremen
- Lawn care specialists
- Lawn care technicians
- Lawn maintenance
- Lawn mowing services
- Residential lawn care companies
- Tree trimming services
What are the Different Types of Lawn Care Insurance and Landscaping Business Insurance?
At biBERK, we offer six different types of landscaping insurance for small business owners like you. Depending on the location of your business and other factors, certain types of lawn care company insurance might be better for you than others.
Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.chevron_rightWorkers' Compensation
General Liability Insurance
Also known as commercial liability insurance, a general liability insurance lawncare business policy is important. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your landscaping insurance policy, including cyber, employment-related practices liability, and employee benefits liability coverage, as well as coverage for tools and equipment. In addition, if your employees drive their own vehicles for work purposes, the business can be liable in the event of an accident, so you should add hired and non-owned auto liability coverage to your policy.chevron_rightGeneral Liability
This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.chevron_rightCyber Insurance
Business Owners Policy
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You’ll typically only need this type of policy if you have a physical location like an office or workshop. With this coverage, you'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, employment-related practices liability, and employee benefits liability. And you should add hired and non-owned auto liability coverage if employees drive their own cars for work purposes.chevron_rightBusiness Owners Policy
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.chevron_rightCommercial Auto
Every landscaping insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.chevron_rightUmbrella
How Much Does Lawn Care Insurance Cost?
Your lawn care insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get the answer to the question “How much does lawn care insurance cost?” by obtaining convenient online quotes for all the policies you need. For more details on the cost of insurance for a landscaping business, contact one of our helpful policy advisors today.
Why biBERK for Lawn Care and Landscaping Business Insurance?
We’re the experts when it comes to small business insurance.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.