Even though lawns might seem beautiful by default, landscaping experts put in a lot of effort to make them look special. There are many things that can go wrong in the landscaping world. Furthermore, these mistakes can lead to accidents, injuries and ultimately, lawsuits. As a landscaping business, you already have enough troubles as it is. Landscaping business insurance can cover your legal expenses, property theft, lawsuits, and more.
If you’re on the market for a business insurance policy for your landscaping business, Melton McFadden can help you find a policy perfect for your needs as well as workers’ compensation, property, and liability coverage.
Landscaping insurance can help you avoid significant costs that might harm your business and even shut it down.
Landscaping Business Insurance Explained
Your clients rely on your skills and equipment to enhance their outdoor space. No matter if you are decorating a single bush or tree, helping them clear their yard after bad weather, or completely transforming their garden into a small piece of paradise, your clients want you to do the job properly.
However, this job includes various dangerous equipment and chemicals that can expose employees and your whole business to various risks.
Luckily for you, Melton McFadden has years of knowledge and expertise to provide you with the necessary protection your business needs to cover from these potential risks. Our landscaping business insurance policies are designed to cover organizations like yours and coverage includes:
- Damages caused to your business vehicles
- Damages did to some else’s property
- Personal injuries caused while operating
- Damages done to your operating tools
- Potential thefts
Why You Need Landscaping Business Insurance
The landscaping business insurance policies offered by Melton McFadden can help various types of businesses that work within landscaping. This kind of coverage simply helps you save money while not having to invest your entire savings. Not only that you will be safe financially, but you will also be able to protect your brand.
No matter if you’re in the lawn irrigation business, landscape design, landscape architecture, tree & bush trimming, or general landscaping, we can create a coverage plan that will benefit your business and streamline your operations.
Here are just some types of coverages we offer at Melton McFadden:
- Property & liability coverage
- Business owner policy
- Workers compensation
- Commercial vehicle coverage
- Umbrella insurance
- Specialty liability insurance
General Liability Coverage for a Landscaping Business
This is one of the most common coverages for landscaping businesses. It covers the costs of various third-party lawsuits directed towards your business. This includes property damage, reputational damage, and injuries suffered on a certain property.
Given the fact that your place of work is your client’s home or property, there is always a risk of something going wrong. Since the property isn’t yours, you need to protect yourself from having to pay huge lawsuits that could cost you in the long run.
There are many ways that landscaping can damage one’s property including dead trees, pesticide issues, drainage problems, and so on. When faced with lawsuits concerning injuries or damaged properties, this type of insurance can cover all the related costs.
Property Insurance for a Landscaping Business
Your landscaping company would be nothing without your supplies, equipment, and tools. Landscaping property insurance may cover business losses caused by vandalism, theft, and fire. It also reimburses your organization when any of your commercial equipment gets damaged or destroyed by a weather factor that is covered in the policy.
You can choose from different policies and, at Melton McFadden, we are proud to say that we can give you coverage for a long list of weather conditions. In addition to that, if you’re looking to save money on your insurance premiums, you can get a Business Owner’s Policy with us to get both general liability property insurance bundled.
Vehicle Coverage for a Landscaping Business
You can get this kind of coverage with Melton McFadden for commercial cars, vans, and trucks owned by your business. In the case of auto accidents, this insurance can cover lawsuits, injuries, and damages related to the accident.
Since your vehicles are crucial to your daily operations as a landscaping business, make sure to get proper comprehensive coverage and avoid downtime. If you aren’t clear how commercial auto insurance works or what policy is best for you, feel free to call us.
Choose Melton McFadden
At Melton McFadden, you’re guaranteed the best value for your money. We’re in the business of helping people and we value each and every one of our clients. You can expect us to work closely with you on your policy premiums and help you find the perfect insurance policy for your needs!
Get a quote today!