Landscaping Insurance in IL

Why choose Landscaping Insurance?

If you own a landscaping company or are a landscaper, you have many of the same concerns in regards to liability that other businesses do. Protecting your business from risks is part of being a smart business owner, since even landscapers can run into problems and find themselves on the receiving end of a lawsuit or claim. By choosing landscaping insurance, you can provide your landscaping business with a safety net that keeps your business up and running, even if you have claims arising from property damage, injuries, or accidents.

What Type Of Insurance Do Landscapers Need?

The most common small business insurance policies landscapers carry are: general liability, commercial property, commercial auto and workers’ compensation. There are other specialty coverages available based on their specific operations.

Other Coverage Types Landscapers Should Consider

There are a few coverage types that all landscaping businesses should consider, including general liability insurance, business owners insurance, workers’ compensation insurance and commercial vehicle insurance

At job sites, hazards include injury or damage from stones or other debris thrown by power mowers, trimmers and other equipment.

Tree trimming may result in falling tools, branches or debris that may injure persons damage vehicles or other property, or fall onto power or communication lines. Use of chain saws on trunks or limbs and the use of chippers for disposal may result in flying debris that can cause serious bodily injury. The areas of operation should be restricted by barriers and proper signage to protect the public from slips and falls from spills and equipment and supplies impeding access.

The application of lawn chemicals presents both a premises and completed operations hazard that could result in serious long-term injury, illness or disease to customers and passerby. Overspray from operations could result in small byt frequent property damage losses. Contractors who do not obtain and keep proper licensing and certification for chemical applications create a serious liability exposure to themselves.

General Liability Insurance for Landscapers in Illinois

General liability insurance for landscapers and lawn care professionals provides coverage for property damage, including any damage to customers’ property that you or your employees cause. Landscaping insurance also provides bodily injury coverage to cover bodily injury or death that arises to a third party as a result of your actions or those of your employees. It may also provide products and completed operations coverage that covers completed work performed by your company or products sold by your company. Finally it may cover injuries caused by advertising, such as when your business’ advertising harms another person’s reputation. This type of coverage is needed to protect your business from false claims, libel and slander.

Workers Compensation Insurance for Landscapers in Illinois

Workers compensation exposures are high due to the operation of machinery and equipment, work at heights, work on uneven ground, and exposure to underground or above ground cables and lines. Use of power cutting equipment can result in cutes and possible amputations. Back injuries, hernias, sprains and strains can result from lifting. Chemical applications may cause lung problems along with allergic reactions and other more serious complications. Casual labor, seasonal workforce and high turnover present a significant loss control challenge.