Do Landscapers Need General Liability?

Answer:

Landscaper liability insurance helps empower small business owners to do the job they’ve trained to do. More specifically, general liability insurance is highly recommended for landscapers because of the high-risk nature of this type of work.

Answer:

Requires at least four total years of landscaping experience. General liability insurance as well as worker’s compensation insurance is required. Trade, law, and business exams are required.


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Frequently Asked Questions

Do you need insurance for landscaping company?

You need to make sure you protect your gardening business with the right insurance cover. This could include: Public liability insurance. This can cover compensation and legal costs if someone else is injured or their property is damaged because of your work.

Does every business need general liability insurance?

Every small business needs general liability insurance. This policy provides protection against common customer or client incidents, including bodily injuries, property damage, and advertising injuries. An accident involving a customer can lead to huge legal bills, making this an important policy for any business.

Do I need general liability insurance?

Public liability insurance is required by small businesses and the self-employed as it may cover: Legal liability of a business to compensate the damages made to the general public on account of injury, death, damage to property and possessions due to business negligence.

What kind of regulations do landscapers have to comply with?

The application of chemicals can result in damage to air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products. Employees who handle chemicals must have the appropriate licenses and certifications individually.

What are the risks of a landscaper's own premises?

Premises liability exposures can be light at the landscaper's own premises if there is no public access. If there is a nursery, the exposure increases as customers may slip or fall on wet flooring or dirt or trip over equipment. Plants and equipment stored in the open can present an attractive nuisance.

Why do I need insurance for my lawn care business?

Insuring a lawn care business will protect it against accidents, property damage, lawsuits, and equipment failure, in addition to helping one focus on the primary task at hand. In fact, securing lawn care insurance is among the basic requirements for a business that offers commercial or residential property lawn care in most states.

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