Landscaping Insurance in Virginia
What is Landscaping Insurance?
Landscaping work exposes businesses in this field to a variety of risks, including both property and liability perils. Landscaping insurance helps protect landscapers in Virginia from a range of risks that they face.
Landscaping insurance is a form of commercial insurance that’s specially developed for landscaping businesses. Most policies offer multiple coverages so that they can help protect against a range of risks, and busineses can frequently select the coverages most appropriate for them.
What Virginia Businesses Need Lawn Care Insurance?
Most Virginia businesses that provide lawn care or landscaping services should have a lawn care insurance policy in place. A single incident could leave a business devastated if the business is uninsured, and this is usually the most appropriate type of insurance for these businesses to purchase.
What Coverages Do Lawn Car Insurance Policies Offer?
As mentioned, most lawn care insurance policies come with multiple coverages. Some of the coverages that a policy might, depending on its terms and conditions, offer are:
- General Liability Coverage, which may cover certain accidents and defamation suits
- Product Liability Coverage, which may cover damage caused by sold products
- Pollution Liability Coverage, which may cover environmental damage caused by chemicals
- Errors and Omissions Coverage, which may cover wrong advice that’s given to customers
- Commercial Property Coverage, which may cover equipment and facilities
- Commercial Auto Coverage, which may cover cars, trucks, vans and trailers
- Inland Marine Coverage, which may cover equipment while it’s being transported
In addition to these coverages, some landscapers may also want protections like business interruption coverage, cyber liability coverage and commercial umbrella coverage.
An insurance agent who’s familiar with lawn care insurance policies will know what coverages are commonly available and can help landscapers evaluate their particular needs.
Do Landscapers Need Workers Compensation Coverage?
Most landscapers and lawn care professionals ought to carry workers compensation coverage. Those who have employees are generally required to have the coverages in case their employees are injured or become ill on the job. Business owners who work solo and don’t have employees may still want this coverage in case their health insurance policy doesn’t cover job-related injuries. Some health policies exclude such injuries.
Most insurance agents who assist with lawn care insurance can also help with workers compensation coverage. They might recommend purchasing this coverage through a lawn care policy or via a separate policy depending on the specifics of a business’ situation and coverage options.
Are Landscaping Policies Expensive?
While insurance companies consider many different factors when setting rates for landscaping policies, these policies normally aren’t prohibitively expensive. Coverage is generally affordable, and it’s almost always more affordable than facing a major property or liability claim with no protection in place.
Business owners can find out exactly how much a policy for their business will cost by contacting an independent insurance agent, who will be able to compare quotes from multiple insurers in the state. The location, size, region served and equipment used can all influence premiums, but not all insurers consider these factors in the same manner. Looking at multiple quotes makes it easy to identify which option offers the best protection at a reasonable price.
How Can Businesses in Virginia Get Landscaping Insurance?
For assistance with finding a landscaping insurance policy, contact the independent insurance agents of Hampton Roads Insurance. Our agents have helped many Virginia landscaping companies find insurance, and we’re here to help you as well. As a knowledgeable and independent agency, we’re well-positioned to help you find a policy that’s right for your business.
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Closed | Sat-Sun & Holidays
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11024 Warwick Blvd
Newport News, Virginia 23601
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Reach out to the Hampton Roads team today for any questions or insurance quotes!
