3 Types of Businesses That Need Landscaping Insurance

Businesses that work in the landscaping industry need the protection of insurance to cover accidents, damages, and other unforeseen events. And while you might not think of landscaping as a business-oriented field, there are actually many different types of businesses that require some type of landscape insurance.

From lawn care companies to tree trimmers and arborists, here are the main types of businesses that should invest in landscaping insurance.

1. Landscape Designers & Architects

Landscape designers and architects often work with homeowners to create the perfect outdoor space for a property. Their job is to turn a customer's vision into reality and make sure that their design is safe and sound. This part often includes the proper installation of large stone walls, decks, and patios, which ultimately change the way a property looks.

But this type of work carries a lot of liability, so landscaping designers and architects need to be sure of protection from any potential issues that may arise.

For example, the heavy equipment these professionals use in the process could cause damage to a customer's property or an injury to someone who works on site. These situations can be very costly for you, especially if you don't properly insure your landscape design business.

Thankfully, landscaping insurance can provide the coverage you need to protect yourself and your business in these scenarios. You might need to invest in a policy that covers things like property damage, injury coverage, and premises liability. Your insurance company will then discuss the extent of your coverage with you to ensure you know what your coverage includes.

2. Lawn Care and Maintenance Companies

The maintenance of a healthy, beautiful lawn requires consistent work and attention throughout the year. That's why many homeowners hire lawn care and maintenance companies to keep their outdoor space at its best. These businesses mow, trim, aerate, and fertilize lawns, as well as remove weeds and other debris.

The contracts these companies sign with their clients also usually come with a commitment to keep the property safe and free of potential hazards. Any accident or injury that happens on their customer's property while they do their job can become their responsibility.

But despite the hard work these companies put in to maintain lawns, accidents can still occur. A crew member could trip and fall while they mow the lawn, and that burden could easily fall on the company's shoulders. A piece of equipment like a mower could also damage a customer's property while in use. The blades of a mower could chip away at a tree's roots and cause the tree to die or topple over.

These are just some of the risks that lawn care and maintenance companies face, which is why they need to be sure they have an adequate insurance policy to protect them.

Usually, the policy might cover other specific situations that you might not think about, such as damage to external plumbing or underground power lines. For this reason, lawn care and maintenance companies need to make sure they have proper coverage before they begin working with any customer.

3. Tree Trimmers & Arborists

Tree trimming is a very important part of landscaping and helps keep trees safe from disease, pests, and other hazards. Many homeowners also like to prune their trees for aesthetics as well.

Tree trimmers and arborists are usually responsible for the care and maintenance of trees on a property. They help homeowners prune and trim trees, remove dead branches, and do whatever is necessary to keep trees healthy.

This type of work also carries a high level of risk since tree trimmers often work with large, heavy pieces of equipment in tight spaces. They might even need to use a crane or other heavy equipment to lift branches and logs that are too large for a single person to handle.

Anytime tree trimmers use heavy machinery, there is a potential for accidents or injuries to occur. A falling branch or log could cause an injury to either a site worker or bystander. The heavy equipment could cause damage to the property or surrounding area if sudden movement caused the equipment to shift or tip over.

In addition, tree trimmers often have to climb up high to trim branches and cut down trees themselves. With all of this activity, accidents can happen easily, even with the best safety precautions in place.

While you can't completely eliminate the risks associated with this type of work, landscaping insurance can help protect any business that operates in this industry. A standard policy typically covers things like accidental property damage and other related liabilities.

Without the right insurance coverage, you can quickly find yourself in deep financial trouble if your company doesn't have the resources to pay out of pocket for these costs. Reach out to us at Illinois Insurance Center for more information on what you need to protect your landscaping business. We'll help you find a policy that meets your needs and fits within your budget.