As a lawn care specialist, you’re in charge of helping property owners keep their lawns looking lush and vibrant. It’s a job that requires hard work and dedication, but the reward of seeing a project finished and looking its best is incredibly gratifying. From planting grass seed to laying down sod to caring for shrubs and other foliage, you’re focused on ensuring that each yard is as beautiful and cared for as possible.
Unfortunately, accidents can happen in this line of work, and even if you have a long list of happy customers, any slip-up can leave you open to financial liability. Make sure you’re covered with lawn care business insurance so you can concentrate on your work without worrying about the consequences.
Here are five reasons to get insurance for your lawn care business:
1. Your Work Pickup Full of Equipment Gets in an Accident
When picturing yourself getting from one job to the next, don’t forget to picture your commercial vehicle. Having the right insurance coverage in place can make all the difference in the event of an accident. Commercial auto insurance can help protect you and your business from costly damages and medical bills. That way, you can get back to work quickly and keep your business running smoothly.
2. A Worker Sustains a Serious Injury on the Job
Every year, an estimated 80,000 individuals seek medical attention for injuries sustained from operating a lawn mower. These accidents range from minor scrapes to more serious incidents, such as a mower rollover on uneven terrain. If your workers sustain an injury while on the job, workers’ compensation will provide coverage for the medical expenses and lost wages.
3. Your Lawnmower Runs into a Lawn Ornament or Fence
General liability insurance is a form of insurance that protects businesses from the costs of property damage or personal injury that they are responsible for. For example, if you were mowing a lawn and accidentally knocked over a piece of yard art or damaged a garden fence, your general liability insurance would help cover the cost of the damage beyond your deductible. This way, you can be sure that your business is protected from financial loss in case of an accident.
4. The Garage Holding Your Mower and Tools Catches on Fire
No matter your line of work, having the right equipment is essential to success; the same goes for lawn care. Whether you own a few mowers or an entire fleet of tools, you have a great deal to lose if a fire breaks out in your garage and destroys your property. Fortunately, a Business Owners Policy with property and general liability insurance can help protect your commercial equipment from such an unforeseen disaster. The insurance will pay out the value of the items, which could be based on the cost of new items or factoring in depreciation. Sometimes, a Business Owners Policy can even cover business interruption costs if the fire were to cause a temporary closure.
5. A Customer Claims You Breached Your Contract
After long days of hard work in your client’s yard, they accuse you of not sticking to the agreement. This can be costly if you go to court, but you may not have another option to protect your finances and reputation. The U.S. Small Business Administration suggests that companies providing services should consider getting professional liability insurance to safeguard against any potential mistakes, oversights, or carelessness in their job.
Insurance for your lawn care business is essential to ensure that your business runs smoothly and is protected. The five major reasons you need insurance for your lawn care business are to protect you from financial losses due to unforeseen circumstances, to ensure that your business is compliant with the law, to protect your customers’ property, to protect your business from lawsuits, and to provide peace of mind. Insurance can provide your business with the security and coverage it needs to thrive.
Pascal Burke Insurance Brokerage Inc. are specialists in an array of policies that cover not only general cases but also specialty contractors. You won’t have to worry about breaking the bank with our great rates! If you need lawn care insurance in Charleston, SC, we’ve got you covered! Get in touch with us today!