Insurance for Landscape Contractors in Arizona
Landscapers work rain or shine and run power equipment and carry heavy loads. You love this stuff! Transforming people’s landscape was the reason you started this job in the first place. But, being a landscaper does carry certain risks both in injuring yourself, a client or having an accident that destroys your client’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.
Landscaper insurance can encompass the following types of coverage:
- General Liability: Also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
- Commercial Auto Insurance: Your commercial autos, like a pick up or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will going to/from jobs and while being stored.
- And more!
Let the experts at Insurance Brokers of Arizona® assist you in setting up a Landscapers insurance policy. They can assist with coverage, explain state liability insurance requirements and help with specialty needs like truck filings. For all your business and personal insurance needs, Insurance Brokers of Arizona®!
Frequently Asked Questions about Landscape Contractor Insurance Policy
Can landscaper insurance cover accidental damage to a customer’s property?
General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Coverage depends on the incident, policy terms, limits, exclusions, and deductible.
Are mowers, trimmers, trailers, and other equipment covered?
Coverage may be available for eligible landscaping tools and equipment stored at a shop, transported between locations, or used at jobsites. Current equipment values should be provided to the insurance agent.
Are chemical applications or pesticide-related incidents covered?
Pollution or chemical-related losses may be limited or excluded under standard policies. Texas landscapers who apply pesticides, herbicides, or fertilizers should discuss these operations with their agent.
Are subcontractors covered under a landscaping company’s policy?
Subcontractors are not necessarily covered automatically. Landscaping businesses should review written agreements, certificates of insurance, and subcontractor exclusions.
Does a landscaping company need commercial auto insurance?
Commercial auto insurance may be appropriate for trucks and vans used to transport employees, plants, tools, or equipment. Trailers and mobile equipment may require separate consideration.
