LANDSCAPER INSURANCE

EXPERTISE 

IN FORT LAUDERDALE AND WEST PALM BEACH

Landscapers and other lawn care companies have a lot to protect: equipment, vehicles, tools and employees all need adequate coverage.  The responsibility to keep employees safe can be difficult but necessary.  It is important to not only maintain a proper insurance program but to implement best practices with regards to safety and employee training.  As a result, it is important to work with the right firm who 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.  We analyze your unique circumstances and design a customized risk management and insurance plan for your needs.

FAQ

Do Landscapers  need insurance?

Yes, Landscapers have a lot to protect.  They need insurance to protect their equipment, vehicles, tools, and employees, as well as third party liabilities.

What are some notable risks facing Landscapers?

• Employee Injury: Landscapers need to protect themselves for the costs associated with employee injury due to work from heights, operation of machinery and equipment, or work from risky sites.  It is important to train employees on best practices with regards to workplace safety
• Auto Liability: Vehicles can be an area of risk due to regular travel to and from jobsites as well as transportation of cuttings, plants and large trees.  Drivers must be properly trained and have valid licenses.
• Crime: Theft of Landscapers tools and equipment are an area of concern due to the high value of equipment maintained.  Employee dishonesty could be a concern.  Proper background checks should be done on all employees prior to hiring.

Which insurance coverages are needed for Landscapers?

Insurance coverages needed for Landscapers include (but not limited to) Workers Compensation, General Liability, Automobile Liability and Physical Damage, Inland Marine, Professional Liability, Property, and Umbrella.

How much does insurance cost for Landscapers?

Insurance premiums for Landscapers will vary based upon several factors.  Each policy is rated on different exposures which may include payroll, revenue, property value, location, driving record, claims history, among others.

How do I purchase Landscaper insurance?

Biscayne Risk & Insurance Group can help guide you through the insurance buying process.  Contact us at 561.571.1001, quotes@biscaynerisk.com, or via the contact form below.

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