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What is landscaping insurance?
Operating a landscaping business requires significant dedication and investment, as both time and financial resources must be put into the business. To help protect the investments that are poured into a business, Texas landscapers can get landscaping insurance.
Landscaping insurance is a type of commercial insurance tailored to meet the needs of landscapers. The insurance generally includes property, liability, and vehicle coverages.
Which Texas businesses should have lawn care insurance?
Most landscaping and lawn care businesses in Texas should have a lawn care insurance policy or landscaping policy. Failing to insure can have devastating financial consequences if something happens. A lawn care or landscaping policy tends to be the best way to insure businesses operating in this industry.
Some examples of businesses that commonly get lawn care insurance policies include:
- Statewide landscaping and lawn care companies
- Local landscaping and lawn care businesses
- Self-employed full-time lawn care specialists
- Individuals who mow lawns as a side gig
Insurance normally should be considered regardless of business size or structure.
What protections are offered by lawn care insurance?
While the specific protections offered by lawn care policies can vary, most policies include a range of standard coverages. These can include:
Possible Coverages Available
- Commercial Property Coverage: Might cover facilities owned by a landscaper, as well as their equipment stored when stored at a facility.
- Inland Marine Coverage: Might cover equipment, such as mowers and trimmers, when being transported to, from or between customer locations.
- General Liability Coverage: Might cover various common accidents for which the business could be held responsible.
- Errors and Omissions Coverage: Might cover errors made while offering advice to customers.
- Product Liability Coverage: Might cover damages or injuries caused by products the landscaper uses or sells.
- Pollution Liability Coverage: Might cover environmental damage resulting from chemicals in the products a landscaper uses.
- Commercial Auto Coverage: Might cover business-owned vehicles, like trucks and vans.
- Commercial Umbrella Coverage: Might provide extra liability protection against expensive lawsuits.
Commercial Property
Inland Marine
General Liability
Errors and Omissions
Product Liability
Pollution Liability
Commercial Auto
In addition to these protections, landscaping businesses might also want business interruption coverage, cyber liability coverage or other coverages. An insurance agent specializing in these policies can help landscapers explore all available coverages.
How are the premiums for landscaping policies determined?
The premiums for landscaping policies can significantly vary depending on various factors, including the geographic area a landscaping business serves, the services it provides, the chemicals it uses, the age and type of vehicles, the size and location of owned facilities, and any recent insurance claims. Still other details can also impact cost.
An independent insurance agent can help landscapers get custom quotes from several insurance companies, and then compare coverages and cost across the policies. This makes it easy to see which insurer gives the best coverages at a competitive rate.
Do landscapers in Texas need to carry workers compensation?
Texas is one of the few states that generally doesn’t require employers to carry workers compensation. Therefore, most landscapers in the state technically don’t need this coverage.
Regardless of state law, however, workers compensation is strongly recommended. The coverage normally protects against workplace injuries, which anyone operating lawn care equipment is certainly at risk of. Without coverage, businesses could be solely responsible for an employee’s medical bills and lost wages after an injury. Few landscapers could afford the large costs that can follow a major accident.
When it’s purchased, workers compensation might be obtained within or outside of a landscaping policy. An insurance agent who assists with landscaping policies will be able to help businesses determine the best way of acquiring workers comp.
Where can landscapers find landscaping insurance?
If you have a landscaping business in Texas and need landscaping insurance, contact the independent insurance agents at McKnight Insurance. Our team will work closely with you to find a landscaping policy that offers robust protection for your business.
McKnight Insurance Services Independent Agency in Mansfield Texas
Get in touch with one of our team members for questions or quotes!
