Landscaping & Hardscaping Insurance Policies
Landscaping and hardscaping companies face several specific risks and liabilities, from equipment damage to employee injuries and more.
It is vital for these companies to have comprehensive insurance coverage.
Types of Coverage
Some types of insurance that landscaping and hardscaping companies should consider:
General Liability Insurance can cover legal fees, medical expenses, and any judgments or settlements from claims of bodily injuries or property damage caused by the services provided.
Professional Liability Insurance can offer financial protection from claims arising from errors in the design aspect of landscaping or hardscaping projects by covering legal defense, settlements, or judgments.
Commercial Auto Insurance can provide coverage for vehicle damage, medical expenses for accidents, and liability for third-party injuries or damages that occurs during the use of vehicles to transport equipment, plants, and employees.
Workers’ Compensation can provides coverage for medical expenses, rehabilitation costs, and a portion of lost wages for injured employees who often use heavy equipment or perform labor-intensive tasks on job sites.
Inland Marine Insurance is recommended for the many expensive tools and equipment used, as it can cover damage to or theft of expensive equipment and tools while in transit or at a job site.
Property Insurance is recommended for landscaping and hardscaping companies that occupy office space or utilize storage facilities.