Every lawn is unique—your landscaper insurance should be too
When it comes to business insurance, there are minimal state requirements, and there is coverage that is tailored to your needs to surpass legal requirements and help protect all that you have worked so hard to build. That is where Mosaic Insurance Alliance comes in—to provide you with a needs assessment and perform a free insurance quote to see what coverage and carriers are a best fit for you.
Don’t get us wrong—general liability coverage is a great starting point in protecting your landscape business. After all, every business out there has the potential to harm, damage, or injure another business or person, and general liability can protect you. But, as insurance professionals, Mosaic recommends that you get additional coverage for a handful of reasons, including that most work is done on the properties of others, the chance for injuries is high in this line of work, injuries and can easily be very serious and result in expensive medical bills, and property involved can unsurprisingly suffer expensive damages.
What is considered landscaping?
Is your business considered a landscaping business? Do general gardening jobs mean you are a landscaper? Different states and counties can vary in definitions of what is classified as landscaping. For example, here is the definition for Washington state provided by the Department of Revenue.
Also, it is important to know that different insurance carriers may consider different individualized factors and have different insurance requirements based on those factors. A Mosaic agent can help clear up classification. If your business ends up classified as another business type, Mosaic will look into other commercial insurance types for you—examples of additional business coverages we can provide can be found here.
What risks could a landscaper face?
All kinds of things can happen on the job, especially when power tools, weather, and new territory are involved. Here at Mosaic, we have heard many different claims from landscaping businesses, including but not limited to:
- Injuries—employees, clients, the public, etc.
- Damage to private property (i.e., plants, homes, cars, garages, etc.)
- Damage to city property (i.e., powerlines, waterlines, etc.)
- Expensive equipment breakdown/damage
- Errors and omissions
- Chemical injury/pollution
What type of insurance should a landscaper have?
In addition to general liability insurance, common landscape business insurance includes:
- Workers compensation
- Business umbrella insurance
- Commercial property insurance
- Mechanical/systems breakdown insurance
- Business auto coverage
- This insurance will help protect against
- Bodily injury
- Property damage
- Other exposures
- Consider adding comprehensive and collision coverage
- This insurance will help protect against
- Inland marine insurance
- Care, custody, and control (CCC) insurance
- Specific endorsements added to policies based on individual business factors
Good business insurance policies consider many moving factors to determine optimal insurance. General liability can help protect your business from a handful of threats, but it has its limitations. We recommend that you look at the bigger picture and treat general liability like a steppingstone on the way to getting ideal protection. As an independent insurance agency, Mosaic Insurance Alliance has commercial insurance professionals that evaluate your specific situation to determine the best additional coverage for your business. Factors include all kinds of things from potential risks to company size.
As previously mentioned, potential risks are particularly a significant component in helping protect the business owner and life of the business. The infographic below will give you an idea of common risks that landscaping businesses like yours have faced (PDF here).
If you think of any other risks that you might run into that is not mentioned in this blog post, or in our interactive landscape insurance graphic, we are ready to chat with you about them and see what we can do for you. Give us a call at 425-320-4280 or email us at email@example.com.
How much does landscaping insurance cost?
Being an independent insurance broker means that Mosaic can quote you with multiple top insurance carriers. Having access to numerous carriers means that we have a wide variety of coverage options and discount opportunities. We think that good insurance is a customized product that fits your specific needs—not a one size fits all. Reach out to us for a free insurance quote online, on the phone, or in email, and see what price options are available to you.