Lawn care companies are similar to other small businesses when it comes to insurance coverage. Think of a one-man business for things like painting, and handy work, as it relates to your lawn care business and landscaping services.
As far as the risks are concerned, they are pretty similar. Here are the considerations to keep in mind for insurance purposes:
Range of work: The number of lawns you care for and the size of each job are examples of these factors.
Risk possibilities: You have to consider what type of equipment do you use. Check your employees using dangerous equipment. Find their level of skill with using the equipment. Are there heights works involved? Height can be an important factor in determining insurance coverage and possible risk.
Potential liabilities: Your potential liabilities are small if you are a one-man operation and you work part-time on a few lawns. If you have employees and operate on a larger scale, your liability will be greater.
You should consider all of these factors when considering lawn mowing insurance coverage. They all affect the cost of your lawn care business insurance if you choose to purchase it.
Types of lawn care insurance:
There are a few types of insurance for your effective lawn care business coverage. They are:
- General liability: The lawn mowing insurance covers your property and the fact that people may sue you. Depending on the scope of your operations, the premium may be as little as you expect.
- Property insurance: If you have a lot of expensive equipment on the lawn then you need to buy a property policy.