- What is it?
Lawn care insurance offers tailored coverage tailored for landscaping and lawn care businesses. Policies typically come with multiple coverages that can protect equipment, vehicles and more.
- Who’s it for?
Most businesses offering lawn maintenance or landscaping services in California should have landscaping insurance. Not insuring can lead to devastating financial consequences if something happens.
- What is offered?
- General Liability Coverage
- Pollution Liability Coverage
- Product Liability Coverage
Lawn Care Insurance in California
What is lawn care insurance?
Starting a landscaping and lawn care business requires a substantial investment in equipment and marketing, and that investment ought to be protected. One important part of protecting a landscaping business in California is getting lawn care insurance.
Lawn care insurance offers tailored coverage tailored for landscaping and lawn care businesses. Policies typically come with multiple coverages that can protect equipment, vehicles and more.
Which California businesses does landscaping insurance make sense for?
Most businesses offering lawn maintenance or landscaping services in California should have landscaping insurance. Not insuring can lead to devastating financial consequences if something happens.
For instance, businesses providing the following services typically get this type of policy:
- Residential landscaping and lawn care companies
- Commercial landscaping and lawn care companies
- Individuals who mow and trim yards as part-time work
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What insurance coverages should landscaping companies look for?
Landscaping insurance policies can offer a range of coverages, including both liability and property coverages.
Liability protections normally insure against situations where a landscaping company could be responsible for damage to property or injury to someone. Some common liability coverages are:
- General Liability Coverage: Might apply if a third party is injured or property is damaged during a basic accident, not including an auto accident.
- Pollution Liability Coverage: Might apply if the area around a property is accidentally contaminated with lawn care chemicals.
- Product Liability Coverage: Might apply if a person is injured or becomes ill because of lawn care chemicals.
- Errors and Omissions (E&O) Coverage: Might apply if property is damaged because customers follow a landscaper’s wrong advice.
Property coverages normally insure equipment and other assets against damage or loss. Some common property coverages include:
- Commercial Property Coverage: Normally insures mowers, trimmers, trailers and buildings against various forms of damage.
- Inland Marine Coverage: Normally insures mowers and trimmers while they’re being transported between customer locations.
- Equipment Breakdown Coverage: Normally insures mowers and trimmers against unexpected malfunctions that must be fixed promptly.
- Commercial Auto Coverage: Normally insures vans and trucks against damage, and also provides liability protection for businesses in the event of an auto accident.
What type of commercial auto coverage do lawn care services need?
The type of commercial auto coverage that lawn care services need depends primarily upon what vehicles they use.
Individuals who use their personal truck for towing lawnmowers might be able to get adequate coverage through a personal policy. Many personal auto policies cover basic commercial driving for self-employed individuals, either as a standard feature or add-on endorsement.
Services that have commercially registered trucks or vans in the business’s name generally have to a get commercial auto policy. This can provide robust coverage options for work trucks.
Less commonly, services might need hired and non-owned auto coverage if employees use their own vehicles for going between customer locations.
An insurance agent who understands landscaping insurance needs well can help business owners get commercial auto coverage that works well for their situation.
How much do landscapers pay for insurance?
Landscaping policy premiums are influenced by various factors, such as vehicles, equipment, chemicals, location and services. Most lawn care services won’t have trouble finding affordable coverage, however.
An independent insurance agent can help services find out how much their insurance will be. Independent agents can check for the best policies from among several insurers.
Where can California businesses find lawn care insurance?
For help insuring a landscaping or lawn care business that’s in California, reach out to the independent insurance agents at Truck Writer Insurance Services. We’ll work with you to find a lawn care insurance policy that’ll keep your business protected.
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