What Type of Insurance Do Landscapers Need?

As a landscaper, you might find yourself wondering: “What Type of Insurance Do Landscapers Need?” Don’t worry, you have come to the right place!  Commercialinsurance.net is here to help.

landscapers working on lawn and garden
Affordable commercial insurance for your landscaping business

Landscaping can be a dangerous business. As the business owner, you want to make sure your business is protected with the best insurance policy to meet the needs of your company.

Landscaping is such a broad term that it is important to have an insurance policy that will cover your business for the specific services YOUR business is providing.  

Here are examples of services you may provide:  

  • Landscape architecture
  • Landscape design
  • Landscaping maintenance
  • Lawn maintenance

Each of these services comes with their own different set of risks. This is why it so important to evaluate your landscaping services before receiving a quote. It is more cost-effective to only be quoted for the risks your business is involved with.

Different Types of Landscaping Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in any instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: Billy is mowing the lawn and a rock flies from the mower and the customer’s windshield is shattered. If you don’t have insurance the windshield replacement could come out of your pocket. But with general liability, you can rest easy knowing your landscaping business is covered.

 

  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business.  
    • Example: Billy is on the clock trimming hedges when he injures himself. He needs medical attention fast. Workers’ comp will cover the bill from the emergency room so you can rest easy knowing you are protected and so is Billy.

 

  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thunderstorm is roaring through your town and limbs from a tree break your store window. Don’t fret: your property insurance will provide coverage.

 

  • A business owner’s policy is a great option to consider since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your landscaping business in the same way as each individual policy. This policy, however, can save you money!

 

  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. This policy will cover legal fees too.
    • Example: You provide a recommendation to a client about a specific lawn treatment and, after taking your advice, the customer’s yard dies.  If they sue your company, you are covered.
Landscaper mulching flower bed
What type of insurance do I need for my landscaping business?

Which Commercial Insurance Option Should I Choose?

Now that you understand the basic insurance options available, consider the services that your landscaping business offers. It is also important to know your budget for insurance premiums.

It is a good idea to select the most coverage you can afford. As mentioned before, general liability insurance is a good starting place. This is true for every business! Do you have employees? Does your state require workers’ compensation insurance? If so, workers’ comp would be a solid second option.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can visit our site, commercialinsurane.net, or enter your zip code below.
  • Contact us by phone at 1-877-907-5267.

What Type of Insurance Do I Need For a Cleaning Business?

As a cleaning business owner, you might find yourself wondering: “What type of cleaning business insurance do I need?”. We at Commercialinsurance.Net are here to help by making this process quick and simple.

Cleaning service at work
Hard at work cleaning an office

A cleaning business, referred to as a janitorial business, can be demanding and full of risks. As the business owner, you want to make sure you are covered with the right policy that will meet your company needs.

First, a cleaning business can offer such a large variety of services that it is important to list the services that your specific business provides.  This will ensure that your policy meets all of your needs. This is also a money-saving move because you will be purchasing the correct amount of coverage for your cleaning business.

Here are a few examples of services your business might provide:

  • Vacuuming, sweeping, mopping, dusting
  • Trash removal and recycling
  • Restroom cleaning
  • Carpet cleaning
  • Stripping and waxing
  • Window cleaning
  • Exterior cleaning, such as power washing

Each service comes with its own risks, but not all risks are created equally. This is why it is critical to know what services you will provide or are willing to provide. This information is key to getting an accurate insurance quote and the right amount of coverage for your business.  

Different Types Of Cleaning Business Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in many instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: You are cleaning a customer’s house.  While you are dusting, you break a valuable vase. Your general liability policy will cover the accident/damage to the customer’s property. If your cleaning business didn’t have a general liability policy, this would have been an out-of-pocket cost.
  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business legal fees will be covered.  
    • Example: Roger is employed with your cleaning business. In the process of cleaning a customer’s property, he falls from the stepstool and injures his back. He goes to urgent care and later completes physical therapy. Your workers’ comp policy will cover your employee by assisting with medical costs and lost wages.
  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thief breaks into your office and steals important equipment. A property insurance policy will cover this incident and you can worry a little less.
  • A business owner’s policy is a great option to consider since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your cleaning business in the same way as each individual policy. This policy, however, can save you money!
  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. Professional liability will cover legal fees too. Professional liability is definitely needed when you are offering your expertise.
    • Example: You are cleaning a customer’s custom wood table, but the cleaning solution you are using damages the piece of furniture. Your professional liability will assist in covering the damages.

Which Insurance Coverage is Right For My Cleaning Business?

After learning a little more about the different types of insurance for cleaning businesses and knowing the services you are willing to provide, it will be easier to determine the best coverage for your business.

It is always smart to purchase the most coverage you can afford. We typically recommend general liability insurance as a good starting point. We then suggest evaluating if you have employees or property to protect.

Insuring your business for its associated risks is how any insurance company will help you determine the best policy for you. If you have employees, we suggest getting a workers’ comp policy. If you want general liability and property insurance, we would then suggest a business owner’s policy.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can enter your zip code below or visit our site
  • You can also contact us by phone at 1-877-907-5267