Lawn Care and Landscape Contractor Insurance in Mobile County, Baldwin County and the Greater Gulf Coast Area
Lawn care and landscaping contractors tend to deal with similar work requirements, but every business is different. A completely customized policy ensures that your lawn care or landscaping insurance needs are properly taken care of.
The cost from claims of damage or injury caused on site or to visitors on your property can be devastating. A good insurance plan including general liability will protect you from such a claim. Aside from protecting your business, general liability will be the first major insurance requirement needed to bid for jobs.
While protecting other people’s property and your visitors is important, you also need to protect yourself. We understand as a landscape contractor your business can be unique. Say you have to make a custom alteration spur of the moment, such as redesigning a retaining wall in someone’s backyard. Sometimes a decision like this can fail, resulting in a potential law suit. Landscapers’ professional liability coverage can protect you from such a financial loss.
Another major risk that can be obvious, but still necessary to prepare for is the risk of losing your equipment to disasters such as flooding, fire, theft and other instances whether on your property or not. An equipment policy, better known as an inland marine policy, is designed to protect all of your mobile equipment. This mobile equipment consists of your tractors or your hedge trimmers, and could even include your uninstalled irrigation supplies.
Your employees are just as prone to risk as your equipment, and protecting them in the same way should be just as important. In most cases, a workers’ compensation plan is mandatory for business operations. Sometimes it may not be mandatory, but you should still look into putting a plan in place. Workers’ compensation is designed to protect your employees from lost income and medical bills due to a work related injury or sickness.
If you think it is time to set up your lawn care and landscape contractor insurance policy, contact us today.