Do you need Landscaping Insurance?
All 50 states require some sort of license or certification for lawn care and landscaping businesses—about 20 states want to see proof of insurance before issuing a license.
In some states, most landscape contractors have to get licensed while others only mandate licensure for specific operations—most commonly for using pesticides.
Landscapers and other various lawn care businesses are often exposed to risks that can lead to accidents and financial loss. Landscaping insurance can protect your business from the potentially devastating effects that can result from those risks.
If you own a landscaping company or are a landscaper, you have many of the same concerns in regards to liability that other businesses do. Protecting your business from risks is part of being a smart business owner, since even landscapers can run into problems and find themselves on the receiving end of a lawsuit or claim.
Look at it this way. You’ve invested everything you have into your business. It takes years to grow a successful landscaping business and establish yourself as a reputable landscaping professional.
One accident can impact your bottom line and negate all the years of sweat equity you put into your business.
It may only take one event to significantly disrupt your business’s operations and cash flow.
The following questions should put it more in perspective for you:
- Do you have other people working for you?
- Do you or your employees drive to worksites with work equipment in the vehicle?
- Do you or workers operate heavy machinery or equipment?
- Is there even a remote possibility that your landscaping company’s work could damage something nearby or accidentally injure another person? (even a flying rock from a lawnmower could end up putting someone’s eye out).
- Do you bid on landscaping work for other businesses? (most will want to be sure you’re adequately insured, and even most homeowners are savvy enough to inquire about liability insurance for your business).
Perhaps a better question would have been, “What can landscaping insurance do for me and my business?”