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5 Key Reasons Your Lawn Care Business Needs Insurance


You help busy homeowners keep their lawns looking healthy, uniform, and green. Whether you're planting grass, rolling out sod, or tending to plants around the yard, you focus on maintaining every lawn to the owners'—and your own—high expectations. It's a labor-intensive job, but you get the pleasure of stepping back and seeing a project well done at the end of the day.

In such a physical line of work, accidents occur. Even if you have a long list of satisfied clients clamoring to hire you, one tragic incident could put your business at risk of financial loss, whether you're at fault or you're the victim of pure luck. Protect yourself with lawn care insurance to focus on the job at hand. Here are some reasons that reveal how the right coverage will have your company's back.

‍Your Lawnmower Runs into a Lawn Ornament or Fence
You may be wondering, "do I need insurance to mow lawns?" You're riding on your mower when you hear a loud scrape. Once you hop off to prevent the damage, you realize that you misjudged your turn radius and toppled a piece of yard art or took a bit out of the yard fence. You're on the hook for the damages, and your client could even sue if you don't deliver payment.
This is where a general liability policy comes in handy. liability insurance "covers your business from financial loss should you be liable for property damage or personal and advertising injury induced by your services, business processes, or employees."

In this case, your general liability insurance would help protect the cost of the fence or embellishment beyond your deductible so the client could replace it as soon as possible, and you could avoid an escalating dispute. ‍

Your Work Pickup Loaded with Equipment Gets in an Accident
Although it's a funny mental image, you can't ride your lawnmower from job to job. When it comes time to visit a customer, you load up your trusty commercial vehicle and strike the road. What if your pickup is involved in a mishap on the way? Lawn care insurance can cover damaged belongings and medical bills resulting from the said accident so you can get back to work as soon as possible. ‍

A Customer Claims You Breached Your Contract‍
After putting days of back-breaking work into your client's yard, they blame you for failing to keep your end of the contract. Protecting yourself can rack up court costs fast, but you have little option for your finances and reputation.

The Garage Holding Your Tools and Mower Catches on Fire
Your collection of commercial gear is your livelihood. You can't deliver lawn care without your tools, from your mowers to grass bags, shears, fertilizer, and other equipment. What if you woke up to the nightmarish call that your garage has somehow caught fire? The gasoline and chemicals inside could accelerate the blaze and ruin your livelihood.

You can select a cheap lawn care insurance that pays out the value of the items as new or one that factors in depreciation. Luckily property insurance—usually bundled together with general liability insurance in a Business Owners Policy—will pay to replace your equipment if the reason for damage arises from a covered offense under your policy. You can also include business interruption coverage if you experience downtime because of this damage. ‍

A Worker Sustains a Severe Injury on the Job
It's a grim statistic, but more than 70,000 people visit the ER every year due to lawn mower injuries. Whether it's a minor scratch or a serious mower rollover on a hilly lot, you or your workers could be injured. Best lawn care insurance covers medical bills and lost work time if they sustain an injury while at work.

Here's my website: https://generalliabilityinsure.com/small-business/lawn-care-insurance.html