Landscaping Business Insurance



When it comes to insurance for your landscaping business, you want to dig your coverage. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is as impressive as the grounds you keep. From General Liability to Workers’ Compensation, each landscaping insurance policy is designed with your needs in mind.



How to Get Insurance for Your Landscaping Business

Finding business insurance for your landscaping business has never been easier. Get a quote online by following these steps:

Step One

Tell us about your unique business needs.

step Two

We’ll show you a quote tailored to your business.

Step 3

Accept the quote and insure your business!

START A QUOTE !

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Types of Landscaping Insurance

Accidents can happen. Protect yourself, your customers, and your landscaping business with insurance. Recommended insurance policies for landscapers include: 



BOP

General liability, business property, and cyber liability are all included in a Business Owners Policy (BOP). A landscaper may choose a BOP over purchasing individual coverages because it not only safeguards your business against multiple liabilities, but it could be cheaper than purchasing each policy separately.


General Liability

General liability is commonly purchased by landscapers as some clients might require your business to have it before you can work with them. It is a type of insurance that could cover costs associated with third-party bodily injuries, third-party property damage, and advertising injures. In the event of an incident, you may be required to pay for the claim and any legal fees out of pocket if you do not have coverage.

Learn more about
general liability

Business Property

You should strongly consider business property insurance if your business owns equipment that would be expensive to replace. Business property insurance could help to cover equipment and tools if they are lost, stolen, or damaged.

Learn more about
business property

Cyber

If you collect and store client information electronically you may want to consider a cyber insurance policy. Cyber insurance can cover expenses related to determining the damage or loss of sensitive electronic data including addresses and credit card information. Legal expenses and the cost of notifying affected clients could be covered.

LEARN MORE ABOUT
CYBER INSURANCE



Workers’ Comp

If an employee is harmed while performing work duties, Workers’ Compensation can protect your business operations and help to facilitate injured workers’ recovery and return to work. It can help cover medical bills, lost wages, and rehabilitation costs for work-related injuries and illnesses of an employee.



HomeHQ

Looking for liability, property, and stock insurance for your home-based business? Luckily for you, HomeHQSM combines all three coverages into one convenient policy making it easier to manage and could save you time from purchasing these coverages separately.


Top Landscaping Businesses We Insure:

PolicySweet understands the unique risks that landscaping businesses could face, so we customize coverage to fit their business needs. Examples of landscaping businesses include:

Can’t find your business. We might be able to help. Contact us today >



Top Landscaping Businesses We Insure:


Landscaping Insurance FAQs


Business Articles for Landscapers

What Does a Workers’ Compensation Insurance Policy Cover?

Employees in small business working together

As a small business owner, you have a lot of responsibilities.

Paying the mortgage or rent, processing payroll, and tracking inventory are just a few. One of your most important tasks is ensuring employee safety.

One of the best ways to do this is by obtaining a Workers' Compensation policy. This is the easy part. Knowing exactly what the policy covers can be a little more complicated.

Keep reading for an employer's guide to Workers' Compensation policies and coverage.

The Benefits of Having a Workers' Compensation Policy

What some employers do not realize is that Workers' Compensation policies are in place to protect both parties.

Although these policies ensure that employees may receive benefits regardless of who is at fault, that is not all they do. They could also protect business owners from unwanted lawsuits. Sometimes, injured employees try to sue for additional damage. When an employee files for (and collects) Workers' Compensation, they cannot come after you for more money.

Without a policy in place, injured employees may be able to sue you for things like lost wages and exorbitant medical bills. Or, you may be fined by a state because you do not have the required Workers' Compensation insurance in place.

In some rare cases, employees could collect Workers' Comp and still try to sue you! This is why having coverage is so important.

What Does Workers' Compensation Cover?

In short, your Workers' Compensation policy could cover costs related to work injuries. If an employee is injured or falls ill due to work conditions on the job, you may be responsible for covering a wide range of things.

Here are the most common:

  • Medical Expenses

When an accident occurs on the job, your Workers' Compensation policy may cover the cost of immediate medical attention. This includes any ambulance rides or emergency room fees.

Once the employee is evaluated, your policy could also cover the cost of any required surgeries, medications, hospital stays, and other associated medical expenses.

If ongoing care is prescribed (physical therapy or medication use), your policy might also cover these bills.

  • Lost Wages

In the event of a serious injury, employees may not return to work right away. Some may require several days, weeks, or even months to recover.

Your Workers' Compensation policy could pay part of the employee's lost wages during their recovery time. The percentage of coverage may depend on the type of policy you have and the extent of the employee's injury.

  • Compensation for Fatal Injuries

In 2018 there were over 5,200 fatal workplace injuries in the United States. Sometimes, tragedy strikes -- and when it does, your Workers' Compensation policy may cover the associated costs.

Your policy's death benefits could cover funeral and burial expenses and might provide financial support for employee's living family members.

Protect Your Employees and Your Business

Having a Workers' Compensation policy is about more than just protecting your employees -- it is about being able to protect yourself and your business.

Workers' Comp could cover medical expenses, lost wages, and other expenses related to the employees' injury or illness. It may also offer protection in the event the employee files a lawsuit against you.

Contact PolicySweet® for more information about our insurance policies or to request a free quote.

Get a Quote Now > 

What Does a Workers’ Compensation Insurance Policy Cover?

Employees in small business working together

As a small business owner, you have a lot of responsibilities.

Paying the mortgage or rent, processing payroll, and tracking inventory are just a few. One of your most important tasks is ensuring employee safety.

One of the best ways to do this is by obtaining a Workers' Compensation policy. This is the easy part. Knowing exactly what the policy covers can be a little more complicated.

Keep reading for an employer's guide to Workers' Compensation policies and coverage.

The Benefits of Having a Workers' Compensation Policy

What some employers do not realize is that Workers' Compensation policies are in place to protect both parties.

Although these policies ensure that employees may receive benefits regardless of who is at fault, that is not all they do. They could also protect business owners from unwanted lawsuits. Sometimes, injured employees try to sue for additional damage. When an employee files for (and collects) Workers' Compensation, they cannot come after you for more money.

Without a policy in place, injured employees may be able to sue you for things like lost wages and exorbitant medical bills. Or, you may be fined by a state because you do not have the required Workers' Compensation insurance in place.

In some rare cases, employees could collect Workers' Comp and still try to sue you! This is why having coverage is so important.

What Does Workers' Compensation Cover?

In short, your Workers' Compensation policy could cover costs related to work injuries. If an employee is injured or falls ill due to work conditions on the job, you may be responsible for covering a wide range of things.

Here are the most common:

  • Medical Expenses

When an accident occurs on the job, your Workers' Compensation policy may cover the cost of immediate medical attention. This includes any ambulance rides or emergency room fees.

Once the employee is evaluated, your policy could also cover the cost of any required surgeries, medications, hospital stays, and other associated medical expenses.

If ongoing care is prescribed (physical therapy or medication use), your policy might also cover these bills.

  • Lost Wages

In the event of a serious injury, employees may not return to work right away. Some may require several days, weeks, or even months to recover.

Your Workers' Compensation policy could pay part of the employee's lost wages during their recovery time. The percentage of coverage may depend on the type of policy you have and the extent of the employee's injury.

  • Compensation for Fatal Injuries

In 2018 there were over 5,200 fatal workplace injuries in the United States. Sometimes, tragedy strikes -- and when it does, your Workers' Compensation policy may cover the associated costs.

Your policy's death benefits could cover funeral and burial expenses and might provide financial support for employee's living family members.

Protect Your Employees and Your Business

Having a Workers' Compensation policy is about more than just protecting your employees -- it is about being able to protect yourself and your business.

Workers' Comp could cover medical expenses, lost wages, and other expenses related to the employees' injury or illness. It may also offer protection in the event the employee files a lawsuit against you.

Contact PolicySweet® for more information about our insurance policies or to request a free quote.

Get a Quote Now >