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What is landscaping insurance?
Running a landscaping business involves considerable investments, and protecting those investments is a crucial aspect of ensuring the business’s long-term success. Landscaping insurance makes protecting a landscaping business in Texas easy.
Landscaping insurance is a commercial insurance designed specifically for landscapers. These policies typically offer extensive protections through various property, liability and vehicle coverages.
Who in Texas needs lawn care insurance?
Most businesses offering landscaping or lawn care services in Texas should consider lawn care insurance. Major losses or lawsuits could financially devastate landscapers if insurance isn’t in place.
This recommendation broadly applies to virtually all businesses in the industry. Statewide companies, specialty landscapers, local lawn care services and even individuals who mow loans ought to consider the benefits of a policy’s coverages. Some examples of businesses that commonly get this type of policy include:
- Landscapers and landscape designers/architects
- Arborists and tree trimmers
- Lawn irrigation contractors
- Professional lawn care services
Typical Coverages
Commercial Property Coverage
Usually covers facilities and equipment owned by the landscaper.
Inland Marine Coverage
Usually covers mowers, trimmers and other equipment during transport to/from customer properties.
General Liability Coverage
Usually covers common accidents for which the landscaping business may be responsible.
Errors and Omissions Coverage
Usually covers protection against errors the landscaper might make when giving advice. Also “E&O coverage.”
Product Liability Coverage
Usually covers injuries and damage resulting from products that are applied or sold.
Pollution Liability Coverage
Usually covers environmental damage caused by chemicals that the landscaper uses.
Commercial Auto Coverage
Usually covers trucks and vans owned by the landscaping business.
Commercial Umbrella Coverage
Usually adds secondary protection for expensive liability lawsuits.
What protections are offered by lawn care insurance?
While the exact coverages provided by lawn care insurance can vary, there are several commonplace protections most policies make available:
- Commercial Property Coverage: Usually covers facilities and equipment owned by the landscaper.
- Inland Marine Coverage: Usually covers mowers, trimmers and other equipment during transport to/from customer properties.
- General Liability Coverage: Usually covers common accidents for which the landscaping business may be responsible.
- Errors and Omissions Coverage: Usually covers protection against errors the landscaper might make when giving advice. Also “E&O coverage.”
- Product Liability Coverage: Usually covers injuries and damage resulting from products that are applied or sold.
- Pollution Liability Coverage: Usually covers environmental damage caused by chemicals that the landscaper uses.
- Commercial Auto Coverage: Usually covers trucks and vans owned by the landscaping business.
- Commercial Umbrella Coverage: Usually adds secondary protection for expensive liability lawsuits.
Landscapers may also want to look at cyber liability coverage, business interruption coverage and still others. An insurance agent specializing in landscaping policies can help landscapers understand all their coverage options.
What is installation floater coverage?
Installation floater coverage is a specialized form of inland marine coverage. The specialized coverage normally protects materials and products as they’re moved from a store to a customer’s site. Coverage is typically restricted to materials that’ll be installed on a customer’s property.
Installation floater coverage may be of particular interest to landscapers and landscape designers/architects, as these businesses often bring materials to customers’ locations. Arborists might also want the coverage if they frequently install trees. Tree trimmers and lawn care services are much less likely to need the coverage, though.
A knowledgeable insurance agent can help businesses evaluate this and all other coverage options, deciding which coverages should be purchased given a business’s services and situation.
Is workers compensation coverage included in lawn care policies?
Texas normally doesn’t require employers to carry workers compensation, but the coverage is highly recommended for most businesses that have workers. Workers compensation helps protect against job-related injuries, which anyone working with lawn care equipment certainly could sustain.
Assuming it’s desired, workers compensation may be incorporated within a lawn care policy, or it may be obtained separately. How landscapers go about purchasing it depends on the specifics of a lawn care policy. In either case, the coverage is readily available.
How much does lawn care insurance cost?
The premiums for lawn care policies vary, as they depend on several factors. Insurers consider details like:
- Area served
- Services provided
- Chemicals used
- Year, make, and model of vehicles
- Location and size of the owned facility
- Recent insurance claims
To get an accurate estimate of insurance costs, landscapers can consult with an independent agent. Unlike captive agents, who are often tied to a single insurer, independent agents can provide businesses with quotes from various insurers. They have the ability and expertise to accurately compare policies’ coverages and rates.
How can landscaping businesses acquire landscaping insurance?
If you operate a landscaping or lawn care business in Texas, get in touch with the independent insurance agents at Ramey King Insurance. Our agents can help you find a landscaping insurance policy that gives your business the protections it needs in case something happens.
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