Landscaper’s Insurance Guide
A Guide to Landscaper’s Insurance by Mills & Mills Insurance, Wilton, Connecticut (203) 761-8555
Landscaping professionals, in their various genres, face a unique set of dangers akin to no other industry. Exposure to chemicals, dangerous tools, hidden electrical wires, extreme weather conditions, and strenuous manual labor all amount to continuous risk throughout every portion of a landscaper’s job.
As with any business, it takes years of proven skill, dependability and results to build a reputable business. Despite the evident dangers, a lot of competition attempts to enter this lucrative field and not all of it is experienced or qualified. One only needs to dangle a lower price for the “same” service to steal away some of the market share. Literally in no other career does your neighbor’s middle schooler try to compete for potential clients and undersell you.
What does any of this have to do with insurance?
In a market this tight, your company could be quickly replaced. If you had to take even a short time off to tend to broken equipment, injuries or litigation, it is almost certain that a hundred other folks will be vying to do the job and take your client. So besides, the normal need for all businesses to carry at least liability insurance, landscapers need it even more so because they don’t have the time or option to take time off.
The list of potential dangers landscapers face sounds more like a horror movie than a bad day at the job. Arborists and Tree Trimmers have to worry about falls, electrocution, amputation this brings in the need for Workers Compensation Insurance. Lawn and Pesticide Treatment Technicians have potential for chemical exposure and chemical burns, this brings in the need for General Liability and Pollution Insurance. Lawn Irrigation Installers need to be careful not to hit hidden underground electrical wires and sewage pipes. Lawn Maintenance Workers are at risk of heat exhaustion, overexertion, lacerations and malfunctioning tools. The list goes on, but we can suffice it to say that landscaper’s insurance coverage is essential.
At the very least, every landscaping company should have general liability insurance, property damage insurance, inland marine coverage, business auto and workers comp insurance.
Be prepared to discuss with your agent:
- What services your company offers
- What equipment your company uses
- Who is doing the work (sub-contractors, full time or part time employees, just you, etc.).
You will want to make sure to update your agent with any changes as they occur, such as buying new or discarding old equipment.
Why settle for less?
If you find your current insurance agent is unable or unwilling to spend time reviewing your landscaper’s insurance policy annually, it is time to find a new agent, like Mills & Mills Insurance. Read over your policy carefully. Spend time comparing all the aspects, not just the price of an insurance policy, and make sure it will give you the coverage you need to protect your landscaping business.
Get the coverage you need.
Mills & Mills Insurance is based in beautiful Wilton, CT, 45 minutes from New York City and 2 hours from Boston. We serve Fairfield County, Westchester County, Long Island and all of Rhode Island.
Mills & Mills Insurance will provide you with the right coverage to make sure your investments are safe during a disaster. When partnering with us, we will give you all the necessary information and options you need to make the best choice of insurance company and policy. Give us a call today at (203)- 761-8555