Why Do I Need Liability Insurance for My Lawn Care Business?

Accidents happen, so we recommend liability insurance for lawn care business

Why Do I Need Liability Insurance for My Lawn Care Business?

As with any industry, owning a lawn care business comes with risks and liabilities. Between damaged property, customer injuries and stolen landscaping equipment, there are potential challenges that could occur and make a major impact on the integrity of your small business. Without a plan to safeguard your business, you could find yourself dealing with financial loss and reputational damage.

Thankfully, there are ways to avoid the stress and financial impact associated with day-to-day risks on the job for you and your employees. General liability insurance for lawn care businesses, for example, is a solution that’s worth the investment.

Are you interested in safeguarding your business, but you’re not sure where to get started? Let’s take a closer look at the reasons you should consider a small business insurance liability plan:

Potential Scenarios: Why you Need Limited Liability Insurance for Your Small Business

If you’re still on the fence about investing in liability insurance, think about it this way: Accidents are inevitable. Having an extra layer of protection can save you if one of the follow scenarios occurs:

1. You ruin your client’s fence

Have you ever misjudged the distance between your equipment and your client’s fence? Colliding into the fence with your lawnmower or another piece of equipment will have you on the hook to pay for the damages. Unless you have liability insurance.

2. Your employee gets hurt on the job

According to the Bureau of Labor Statistics, there were 912,660 employed in the landscaping industry in 2019. Of those individuals, there are 12,380 cases of injury or illness that required the employees to take time away from work.

Your employee’s health insurance will take care of the medical expenses, but you’ll have to continue paying your employee while they’re out of work. This is another way that insurance can benefit your lawn care business.

3. Your client wants to sue you

Have you ever worked with a client who questioned your contract after signing and receiving your services? This can occur, and when it does, you need to have the means to defend your business. Liability insurance is a useful option that can help you pay for negligent claims made against your business.

Lawn care business worker tending shrubs

The Benefits of Having Liability Insurance for Your Lawn Care Business

Liability insurance is a useful safety net that can protect your business and allow you to focus on crafting your skill and doing what you do best. A general liability insurance policy can assist your lawn care business with expenses associated with:

  • Injuries 
  • Property damage
  • Stolen equipment
  • Medical expenses

By investing in an insurance policy now, you can save time, effort and money in the long run if an accident occurs.

Invest in the Best Business Liability Insurance for Your Lawn Care Business

Searching for business liability insurance can be difficult when you’re not sure what you’re looking for. If you’re ready to invest in insurance to protect your lawn care business, contact InsurePro.

We do all of the heavy lifting for you; we shop around and compare rates from dozens of different providers to find a general liability insurance plan that caters to your needs.

Are you worried about business general liability insurance costs? We work hard to match you with the best provider who will also give you a fair rate. In this way, we can help you find liability insurance for small businesses at a cost that’s reasonable and affordable.

Ready to start a policy? Compare quotes, learn more about general liability insurance, or contact us today with questions.