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Maintaining Your Business Protection

Landscaping & Lawn Care Insurance

Owning a landscaping or lawn care business comes with its own set of challenges and risks. Your business is exposed to numerous pitfalls, from equipment damage to potential injuries. This is why landscaping & lawn care insurance is a must-have for any landscaper or lawn care professional. This comprehensive guide will shed light on the importance of insurance in this industry and help you navigate the various options available.

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  • Professional Landscapers
  • Lawn Mowing Services
  • Irrigation Services
  • Gutter Installers
  • Lawn Maintenance
  • Tree Trimmers
  • Lawn Care Services
  • Landscape Architects
  • Hardscapers
  • Horticulturalists
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Understanding the Need for Insurance

Whether small or large, landscaping and lawn care businesses are often subjected to various hazards. The use of heavy machinery, exposure to potentially harmful chemicals, and the manual nature of the job can lead to accidents and financial losses for the owner. Having the right insurance coverage can protect your business from these risks.

Common Risks Involved

While every business has its own unique risks, landscapers and lawn care professionals face some industry-specific hazards. These include:

  1. Damage or breakage of equipment
  2. Illness caused by exposure to harmful chemicals
  3. Injuries from lawnmowers or other landscaping tools

Understanding these risks can help you assess your insurance needs better.

Types of Landscaping & Lawn Care Insurance

There are several types of insurance policies that can provide varying levels of protection based on your business needs. Here’s a rundown of some common options.

General Liability Insurance

This is the most common and essential form of insurance for landscapers. It covers bodily injury, property damage, and other liabilities for which your business might be held responsible. For instance, if a client trips over your lawn mower and sustains an injury, your general liability policy would cover any legal or settlement costs and medical expenses.

Commercial Auto Insurance

If your business involves transporting work materials like mowers, fertilizer, and tools, you need a commercial auto policy. This covers any accident-related expenses that arise from bodily injury or property damage caused by vehicles used for business.

Workers Compensation Insurance

This type of insurance protects your employees who become injured or ill while at work. If an employee strains their back while gardening, workers compensation would cover their medical expenses.

Business Owners Policy (BOP)

A BOP combines several types of insurance into one package, providing comprehensive coverage for your business. It typically includes general liability protection, commercial buildings, and personal property coverage.

Inland Marine/Equipment Insurance

This unique type of insurance covers the cost to repair or replace business property damaged or stolen while in transit or being stored by a third party.

Assessing Your Coverage Needs

The right insurance coverage will vary based on factors like the size of your company, location, number of employees, assets, and the nature of your lawn care or landscaping work. It’s crucial to assess your business’s risks and determine which policies you need.

Calculating the Cost of Insurance

The cost of landscaping & lawn care insurance is influenced by various factors, including your exposure and coverage needs. For example, a business that only does mowing and edging will likely pay a different premium than one specializing in hardscaping or irrigation.

Choosing Your Provider

When choosing your insurance provider, consider factors such as coverage, liability limits, cost, reviews, and customer experience. We always work to get quotes from multiple providers before helping you make a decision.

Keeping Your Coverage Up to Date

It’s important to review your insurance coverage annually to ensure it is up-to-date and adequate. If your business undergoes significant changes, such as hiring new employees or purchasing new equipment, consider reassessing your coverage to address any new risks.

It’s an Investment

Landscaping & lawn care insurance is an essential investment for any business in this industry. With the right coverage, you can protect your business from potential financial losses and ensure its longevity.

We’ll help you find the right set of policies that suit your business needs. Remember, insurance is not just an extra cost—it’s an investment into the safety and future of your business.

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General Liability Insurance

Commercial general liability insurance protects businesses from financial loss. General liability insurance provides coverage for you, your employees, and your business for common liability claims.

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Workers Compensation Insurance

Workers compensation insurance provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who are injured or become ill at work. This coverage is required by most states and can be the most expensive line of insurance for most employers.

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Business Auto Insurance

Business auto insurance is absolutely crucial if you use vehicles for any business purposes. Even if you use your personal vehicle for business, you need to know about business auto.

Our Insurance Specialists

We've been protecting Mississippi businesses for decades. Our agent specialists have tons of experience across all industries, and our agency is backed by Leavitt Group's national family of agencies and experts.

Whether you're considering starting a new business or an established company, we can help answer your questions and provide insurance quotes from multiple companies.

Our job is to make sure all of our business partners are properly protected with insurance coverages that fit their individual business needs. We're all about properly protecting businesses, not just providing the cheapest coverage and moving on. For us, it's about partnerships, not just selling policies.

Ashton Serpas

Insurance Agent
Ocean Springs, MS

Joe Joe Tharp

Insurance Agent
Jackson, MS

David Pyron

Insurance Agent
Jackson, MS

Ian Cross

Insurance Agent
Pascagoula, MS

Spencer Mitchener

Insurance Agent
Gulfport, MS

Cameron Farmer

Insurance Agent
Jackson, MS

Zac Little

Insurance Agent
Jackson, MS

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