In December 2018 a posted their story of loss on lawnsite.com
"4 landscaping companies including myself got robbed of commercial equipment Friday
Overall, this landscaper lost over $25k in equipment without counting trailers.
This is a big loss and its one that would have to be paid out of pocket to recover the theft if these landscaping businesses don't have the proper insurance coverage.
And while having the right insurance is an expense, it should always be seen as an asset.
How Much Does Landscaping Insurance Cost?
More often than not, people start out our conversation by asking something similar to this...
"I'm a landscaper in Chesapeake, Virginia and I need insurance for my business. How much will it cost?"
Even though it's an easy question to understand what they don't know is how many different factors actually go into the answer to this question.
I could talk to two landscapers and the answer for one would almost certainly not be the answer for the other.
One of the major factors is the amount of coverage that your landscaping business actually needs
Basic Landscaping and Lawn Care Insurance Coverage
What does landscaping insurance cover?
The simple answer to that question can be found by knowing that you will need some kind of coverage in these two areas.
This will help to protect your business from the most common liability claims, things like property damage and bodily harm. This coverage is typically required by most clients.
Like our landscapers in the beginning of the article, Most landscapers use a business vehicle to carry tools and supplies that they might need available for most jobs.
The main difference between Commercial auto insurance and a standard auto policy is that most personal car insurance policies limit the use of vehicles for work.
You can also cover landscaper specific work vehicles like Pickups, dump trucks and utility trailers.
Other Types of Insurance for Landscapers
From here, there are a couple other types of insurance landscapers should consider when buying coverage for their business.
Business Owners Policy (BOP)
A BOP, or Business Owners Policy, is a product that combines general liability, commercial buildings and personal property coverage into one package.
Workers' Compensation, which is sometimes called workmans comp, helps to protect your employees should the be injured or get ill from their work.
Workers Comp Insurance also helps the business to protect from paying unexpected medical bills for employees out of pocket.
Getting Landscapers insurance through Ferguson Insurance Center
We want to help you protect your business by getting you the right landscaping insurance at the best price available.
We shop over 40 insurance carriers to find the most competitive insurance rates for you
Get a Landscapers Insurance Quote Today