Building a thriving landscaping business in Pennsylvania takes dedication, expertise, and two green thumbs. It also requires the right insurance. Accidents, injuries, and unforeseen events can cause setbacks for any business. Commercial insurance can protect your hard work and prepare your business to weather any storm.
Learn more about commercial insurance options for PA landscaping businesses, what coverage you might need, and where to find the best coverage at the best price.
What Landscaping Businesses Need to Protect
Unlike a business with a brick-and-mortar location, landscapers often operate on the go, visiting various customer sites. While you might not need property insurance for a traditional office space, you will need insurance to protect the assets you use to run your business. Here are some items a landscaper will typically need to cover:
Equipment
A landscaper’s business depends on their tools. From lawnmowers to trimmers to chainsaws and edgers, even basic equipment can be expensive to replace. Commercial insurance can cover damage, theft, and loss of equipment, no matter where it happens.
Employees
As your business grows, you might bring on team members to help you keep up with the growing demand for your services. Workers’ compensation coverage is mandatory in Pennsylvania. It protects your employees in case of work-related injuries or illnesses, covering medical expenses and lost wages.
Vehicles
Trucks, trailers, and even personal vehicles used for business need insurance coverage. Commercial auto insurance safeguards you against accidents, property damage, and liability claims if your vehicles are involved in incidents while on a landscaping job.
Events
Even the most careful landscaper can face unforeseen events. You might damage a customer’s sprinkler system, or a customer might injure themselves after tripping over your equipment. Insurance can protect you from lawsuits, medical bills, or property damage caused by your landscaping work.
What Commercial Insurance Policies You’ll Need
Commercial insurance isn’t a blanket policy. Instead, it’s several policies that you can pick and choose from to customize your protection. Here are some of the specific policies that can help create comprehensive coverage for a landscaping business:
- General liability insurance — Covers bodily injury and property damage that might occur due to your work, including customer injuries, damage from tools, or even advertising mistakes.
- Workers’ compensation insurance — Mandatory in Pennsylvania, provides financial protection for your workers, including covering medical bills and lost wages.
- Commercial auto insurance — Covers accidents, injuries, and property damage caused by your vehicles while working. Includes coverage for trailers.
- Inland marine insurance — Despite the name, it has nothing to do with boats. Instead, it protects your equipment, covering loss or damage on the job site, storage, or transit.
- Professional liability insurance — Protects your business from claims of negligence related to your services, such as a client claiming your landscaping design damaged their property.
Remember, this list is just a starting point to help you consider the types of coverage you need. You should consult an experienced commercial insurance broker who can help you tailor an insurance package to suit your business.
Get Commercial Insurance (PA) With Eber & Associates
Landscaping businesses face unique challenges and risks. They need unique solutions that provide them with comprehensive insurance coverage. Eber & Associates can help. Our knowledgeable team will assess the specific needs of your business and then recommend a tailored commercial insurance package that protects you from the ground up.
Contact Eber & Associates today for a free commercial insurance PA quote. We’ll find the right insurance so you can continue growing your business.
