Lawn Care Business Insurance
Find out about getting insurance for your lawn care service
Lawn care business insurance not only gives you the competitive edge with potential customers but protects your small business.
There are various types of insurance cover you can consider. The insurance you need depends on the type of work you are doing and the size of your business.
Choose the insurance cover that best suits your business needs.
- Liability insurance This is the most purchased type of insurance by lawn care contractors. Maintaining
lawns and gardens involves mowing, weedeating, trimming and other activities that carry risks. General liability
insurance offers the widest protection to your business. Basically liability insurance will protect you and your lawn care business against any legal claims associated with accidents, injuries and perceived negligence arising from business operations. It covers the
liability for both property damage and bodily injury. Most lawn care services carry between $1 million and $2 million worth of liability insurance.
- Commercial Vehicle Insurance This is advisable for a vehicle that is used for business purposes. Accidents that occur
while you are using your vehicle for work are usually not covered by your existing personal automobile policy. Commercial auto insurance will cover costs for damage
to company vehicles and trailers and injury and property damage to others as a result of using your vehicle for commercial purposes.
- Equipment Floater Insurance This protects mobile equipment and tools against theft and other exposures.
Your lawn mowing equipment is essential to you earning an income and is relatively easy for people to steal. This will cover you for loss or theft of your property in the coverage territory.
A standard homeowners policy will most likely not cover your lawn care business assets. Your equipment is expensive to replace. Purchasing this type of insurance is advisable.
- Workmans compensation This is a mandatory type of coverage for employers. You will need this if your
lawn care service employs people. Workmans compensation coverage provides protection for employees injured in work-related incidents.
Get proof of your lawn care business insurance. Ask your agent to prepare a certificate of insurance that clearly details your insurance coverage. Customers may ask you for this proof of coverage, particulalry
if you are trying to get work from realtors and property management companies.
What else do you need to start a lawn care business? Find out at About a Lawn Care Business
Pricing your lawn care service can be tricky - find out how to set your rates at
Starting Your Own Lawn Care Business
Choose a catchy business name. Find out more at Lawn Care Business Names
Find out about cost effective Lawn Care Advertising
Find out how to stand out from the competition with a lawn care business at top tips for successfully
Starting a Lawn Care Business
Get more information and help on obtaining the right home business insurance at
Home Business Insurance
Lawn care business insurance is necessary if you want to run a professional and profitable lawn care service.
Return to Starting a Business from Home homepage
Provide a professional lawn care service for maximum profits
Use the search box to find what you are looking for.
Return from Lawn Care Business Insurance to My Home Business Ideas
