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A lawn care specialist’s operations involve grass mowing, seeding, applying fertilizers and pest controls, hedge and tree trimming, and offering maintenance advice. These activities involve using hazardous chemicals and equipment, which can result in serious injuries or property damage.
A comprehensive insurance package tailored for lawn care professionals is essential for safeguarding against the unforeseen risks associated with their daily business activities.
General liability insurance for lawn care specialists forms the cornerstone of a robust commercial insurance package.
Lawn care services’ general liability coverage ensures your business is financially protected from third-party injury or property damage lawsuits.
Workers’ compensation insurance for lawn care services provides crucial protection for employees in the event of work-related injuries or occupational illnesses.
Workers’ comp insurance for lawn care businesses will help pay for medical expenses, lost wages, and funeral expenses.
The state you work in will define the minimum required coverage limits for employers that will provide critical coverage in the event of an accident.
Various states require a surety bond for lawn care specialists before being allowed to commence business operations.
The surety bond for lawn care and maintenance professionals is a financial guarantee to both your state’s licensing department and project owners, ensuring that you will fulfill the job as per your bid and satisfy payment obligations to vendors and subcontractors.
Landscape maintenance contractors’ commercial auto insurance offers coverage for your business vehicles and trailers in the event that you or an insured driver is at fault for an accident.
Commercial auto insurance for lawn care services protects work vehicles in the event of damage or theft.
A landscape maintenance contractor’s inland marine policy, also called lawn care and gardeners’ tool and equipment insurance, provides reimbursement for you and your business in the event of damage or theft to insured assets while at the job site or in storage.
The coverage also extends to property in transit which is typical for landscaping contractors.