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What is landscaping gardening contractors insurance?
Landscaping insurance, also known as gardeners’ insurance, is a form of business insurance specifically developed to protect landscapers during their work. Insurance for landscapers typically combines a number of individual protections under a single umbrella policy, including public liability, general business insurance, tools and equipment cover, loss of business income protection and other coverage options. Lawn care insurance and related products combine all of these protections and many others in one easy-to-manage policy with a single premium.
Along with standard types of insurance coverage, many tradespeople face additional risks that demand an extra level of protection. For example, gardeners and landscapers are at great risk of causing unintentional damage to their client’s property, something that can easily be managed with insurance protection. As the majority of their work takes place outdoors, gardeners also face additional risks related to equipment theft and damage.
Who needs landscaping gardening contractors insurance?
Landscapers’ insurance is recommended for anyone who is involved in landscaping or gardening on a commercial basis. Tradespeople who can benefit from this protection include lawn care specialists, gardeners, landscapers, garden maintenance providers, and specialist subcontractors for golf courses, bowling greens and other sporting facilities.
Despite their different working environments, one thing that all landscapers and gardeners have in common is their reliance on industry tools. From basic rakes and shovels through to expensive lawnmowers and chainsaws, it is important to have an adequate level of insurance to protect your business against equipment loss, damage, or theft.
Public liability protection is also needed by many of these professionals, with gardeners and landscapers at risk of causing damage to third party lawns and gardens. Professional indemnity may also be required in some situations to compensate clients for poorly planned landscapes and other problems related to project management. Depending on the business size and structure, workers compensation and employers’ liability coverage may also be needed to protect staff members.