Landscaping insurance is one of our specialties at Kansas City Business Insurance. As a landscaping business owner you’re exposed to liabilities on a daily basis. Landscaping insurance can help protect you. Firstly having the correct policies in place is key to protect you, your business, and your employees. Secondly, many clients require certificates and changes quickly. Therefore we handle all of your needs from your customers and insurance carriers. Read more below to learn about the insurance coverages that we recommend.
Why Do I Need Landscaping Insurance In Kansas City?
Landscaping involves power tools and physical labor. When projects that take place at someone’s home or business issues can arise. People can sue for many reasons. Accidents can happen and employees can get hurt. Our insurance products can ensure that you are protected from many types of perils. We can help you understand the different types of coverage that you should have.
What Types Of Landscaping Insurance Do I Need?
Landscaping insurance covers many types of services. Lawn care, designers, irrigation and tree pruning just to name a few. Commercial General Liability Insurance is a good place to start. For instance if you own a lot or building and you run your business out of there then Commercial Property insurance is important. Inland Marine is great for covering tools and equipment. If you or someone else is in charge of hiring and firing then Employment Practices coverage can be a life saver. Excess Liability Insurance provides additional limits to a policy. Also an Umbrella policy expands coverage for claims and losses outside of the initial scope. You can read about more key coverages below.
Worker’s Compensation For Landscaping Insurance
Workers’ compensation insurance covers medical costs and lost wages for injuries and illnesses that happen while on the clock. This insurance is required in almost every state for businesses that have employees. This coverage is for the employer’s liability, lost wage’s and employee medical payments. Working with power tools and heavy lifting make this a must have coverage for landscaping companies.
Professional Liability Coverage
Professional liability is important for Landscaping insurance also. This covers legal costs related to work performed that maybe someone on your team was negligent and caused damage. Maybe materials didn’t come in on time and your team couldn’t finish on time causing back charges or getting kicked off of a job. This is also called error’s and omissions insurance.
Commercial Auto Insurance
Last but not least is Commercial Auto. This comes in liability and full coverage and is very important. If you have employee’s meeting at the shop and driving to the job this can be a life saver. It can cover injuries to your employees and other’s in case of an accident. It also can cover theft and vandalism. Finally if you have any questions about the types of policies please don’t hesitate to contact us today.
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