3 Reasons Why You Need Insurance for Your Landscaping Business

September 28, 2021

When you run a landscaping business, you are working in an industry that makes people happy. It’s a business that people get into because it is a passion, and it is something that brings joy into people’s lives. But it’s also a business, which means that there will always be some elements that you can’t predict.

No matter how many years you have been working in this area or how much faith you have in your tools, your team, and yourself, there is always a chance that things can go wrong. That is why it is so crucial that you make sure that you are covered with a suitable landscaping business insurance. Here are just three reasons why.

Worker Injury

Years of experience will help you avoid the most common causes of injury on the job, but there is always a chance that you or your team might suffer an accident while at work. It is not always the fault of the equipment or of not gauging the situation appropriately. We all know about the dangers of felling trees, for example. But sometimes, the human body does something it’s not supposed to. What if one of your team injures their back while carrying something heavy?

Theft

Speaking of things that you can’t exactly fit into your daily planner: it is a sad truth that we all need to be prepared for the chance that someone might take it upon themselves to steal our valuable equipment. Now, the rise of cybercrime recently may have turned everyone’s attention to the possibility that someone might come for our data or information, and while we all need to be more vigilant when it comes to our cybersecurity, we still need to remember that physical theft is usually a much more significant threat.

Ensure that you are covered if someone steals your expensive landscaping gear by taking out landscaping insurance. The Hartford offers commercial property insurance that includes theft as a covered claim, and they can help you find the right policy for your landscaping business.

Damage

When you get to work on a landscaping project, you always give your guarantee that there will be no damage to your employer’s property. Similarly, we take every precaution possible to ensure that the storage we use to house our equipment will protect it from any damage. However, just as you can never really rule out the possibility that one of your team might suffer an injury, you need to be prepared for the chance that some damage might take place.

The recent severe weather events we have seen around the country are a great example of the kind of situation that could cause fire, water, or frost damage to equipment. Similarly, a momentary lapse in concentration is just as likely to cause damage to property as it is an injury to an employee. Again, good landscaping business insurance will make sure that you are covered in these situations.

 

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