The lawn care industry is consistently growing according to the IBIS World Landscaping Services Industry Report in 2021, but lawn care businesses also make up the third-largest industry behind cleaning and freight. Having the right insurance coverages in place can help protect your business whether your services include residential landscaping such as weeding gardens and trimming trees, mowing lawns, or hardscapes.
We have highlighted the basic insurance coverages lawn care business should have below:
General Liability Insurance
General liability insurance coverage is the foundation to protecting your business from bodily injury, property damage, and other liabilities which your business is responsible for. Business Auto Insurance
Adding Business Auto Insurance to your policy provides coverage for your business automobiles such as your company cars, trucks, and trailers which carry your mowers, fertilizers, and tools.
Inland Marine Insurance This policy helps pay for repairs or replacement of any lost, stolen, or damaged equipment and tools.
Optional: Workers' Compensation Insurance
Workers’ compensation insurance helps to cover medical care and lost wages for your employees who are injured on the job.