LandscaperYou are busy building your landscaping business and you are proud of what you've created from the ground up. Now, take a step back and find out what you need to do to keep your operation financially protected.

Landscapers often face job related risks. These risks may be those related to employees, liability risks on customer property or risks associated with equipment. The business insurance policy you have can help to cover some or all of these losses. Some of the areas in which you should focus when searching for a landscaper-friendly policy include the following:
  • Liability Insurance: This coverage works to protect your operation from claims and lawsuits made against it in cases of accidents or mishaps. Liability insurance generally covers costs associated with individuals being hurt due to your employees' actions.
  • Workers Compensation Insurance: Your business insurance policy needs to include workers compensation coverage in most cases. Workers compensation insurance can help to cover your business from the loss suffered if your employees are hurt on the job or become ill as a result of their work.
  • Asset Protection: Property insurance for landscapers often centers around two key things: commercial auto insurance to protect your vehicles and asset coverage to protect your equipment. Additionally, you may need pickup insurance, truck insurance, dump truck coverage or trailer insurance.
In addition to these coverage options, you may want a higher level of liability insurance — enough to cover damage from tree limbs that may fall during trimming, for example. You may also want to consider business interruption costs. And if your business operates out of a building, you need to have that structure protected from fire, vandalism and other losses.

The good news is the right type of business insurance can provide you with the level and type of coverage you need — so you don't have to worry about your landscaping operation's financial security when a covered incident occurs. Be sure your business insurance policy meets all of your needs as a landscaper before you take on your first client.

Get the coverage you need. Call Buschbach Insurance Agency at (708) 423-2350 for more information on Chicago IL business insurance.
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