Landscaping can be a very lucrative business, especially in areas where it rains frequently. There have been studies showing that homes with good landscaping sell faster and that neighborhoods with well-manicured lawns tend to have a lower crime rate. This is all thanks to the hard work of landscape contractors. They design, install and maintain outdoor spaces. Most landscapers offer a variety of services: planting trees, bushes, shrubs, plants, installing fountains and other architectural enhancements, installing sod for a lawn, to name a few.
When it comes to owning a landscaping business, it’s crucial to have insurance coverage, just as any business should. Landscapers have a lot to protect; equipment, tools, vehicles, and employees need to be covered as well. With insurance coverage from Biscayne Risk, you can run your landscaping business and provide excellent services with a safety net that keeps your business thriving, even if you happen to face unexpected claims.
Risks Landscapers Face
- Employee injury. Landscapers need to protect themselves and coworkers from the costs associated with employee injuries. The workers’ compensation exposures are fairly high due to the risk factors of heights, operation of machinery and equipment, working in treacherous terrain, and many more. Landscapers can experience various types of personal injuries as well: back injuries, hernias, sprains, allergic reactions to certain chemicals.
- Crime. Theft of tools and equipment is another area that draws major concern due to the high value of the items. Employee dishonesty could be a possible factor in the thefts. Proper background checks, including criminal histories, should be conducted prior to hiring.
- Auto lability. Vehicles can be an area of risk due to the high level of regular travel from the job sites. All drivers must have a valid license for the vehicle they are using and be properly trained. In particular, for the specialty equipment, they might be handling: cherry pickers, lifts, tree removal equipment, etc.
These are just a few risks faced daily by landscapers. It is important to not only maintain a proper insurance program but to implement best practices concerning safety and employee training. As a result, it is important to work with the right firm that is familiar with your industry and can advise you on the best ways to manage insurance costs. Regardless of whether you have a small operation or you have a large crew of professionals, you need the right team in your corner.
What Insurance Is Needed For Landscapers?
Insurance coverages all landscapers should consider include (but are not limited to) workers’ compensation, general liability, automobile liability, and physical damage, inland marine, professional liability, property, and umbrella. At Biscayne Risk & Insurance, we analyze your unique circumstances and design customized risk management and insurance plans for your needs. We understand that business shouldn’t be done at your own risk. Contact us today to get the right coverage for your needs.