What coverages are available to lawn care services through landscaping policies?
Landscaping insurance policies typically make a variety of coverages available. These often include both liability and property coverages.
Liability coverages normally protect against lawsuits that could be filed against a business. Some common liability coverages include:
- General Liability Coverage, which may protect against basic accidents that cause third-party injury or property damage
- Pollution Liability Coverage, which may protect against accidental contamination of nearby areas with lawn care chemicals
- Product Liability Coverage, which may protect against accidental harm or damage caused by lawn care chemicals
- Errors and Omissions (E&O) Coverage, which may protect against errant advice that landscapers or employees give customers
Property coverages normally protect equipment and other assets against damage. Some important property coverages to consider include:
- Commercial Property Coverage, which may protect mowers, trimmers, trailers and buildings against damage
- Inland Marine Coverage, which may protect mowers and trimmers while they’re moved between customer locations
- Equipment Breakdown Coverage, which may protect mowers and trimers against unexpected malfunction
- Commercial Auto Coverage, which may cover trucks against damage and businesses in the event of an auto accident
Commercial auto coverage normally provides a combination of property coverage for owned vehicles, and liability coverage for businesses if their drivers cause accidents. A knowledgeable agent can help landscapers find coverage for company-owned vehicles and/or personal vehicles that are driven for work, depending on which of the options is needed.
Can businesses get coverage for plowing through landscaping insurance policies?
Landscapers who provide snow removal services during winter usually can find policies that cover both landscaping/lawn care and plowing services. This is something that an insurance agent who specializes in landscaping policies can help find a policy that extends coverage to both types of work.