Landscapers & Lawn Care Professionals Insurance in Texas

Landscapers and lawn care professionals are naturally at risk for third-party claims. Somebody might trip over and get injured from the yard facilities you are installing, or you might accidentally break a costly piece of art in a client's front lawn. A general liability insurance policy can provide coverage for liability claims like these. The claims can include any bodily injury and property damage that results from carelessness on the part of the policyholder. In addition to any court-ordered compensation for the other person, the commercial general liability insurance also covers the cost of your legal defense.

A client might also claim that your business made mistakes in the service you rendered or that your workers committed negligence. For instance, your worker might install a defective garden pond that becomes a breeding ground for disease-carrying mosquitoes. As a result, the client could end up suing you for damages. A professional liability insurance policy helps to protect service-providing individuals like landscapers and lawn care professionals from bearing the entire cost of defending a negligence claim made by their clients. It also pays for any damages that may be awarded in a civil lawsuit.

Landscapers and lawn care professionals use a number of tools, equipment, and supplies to do be able to complete the projects they work on. In case these materials get lost or get damaged due to perils like fire, theft, and vandalism, commercial property insurance can step in to cover the repairs or replacements they need. Moreover, the policy can also provide coverage for any damage that your main business location might sustain due to similar risks.

When you or your employee becomes ill or gets injured while doing your job, a workers' compensation insurance policy will help cover the costs of your medical and hospital bills. Furthermore, it can also provide coverage for other items, including missed wages and funeral costs, should the injury or illness result in death. One can think of many ways that this can be helpful in a landscaping business. For instance, your workers might get injured from the machinery used to move land, or they can get really sick from being stung by a colony of bees that they accidentally disturb in a garden.

Like other tradesmen, landscapers and lawn care professionals need service vehicles so that they can do service calls. In the event that your company vehicle factors into an accident, the commercial auto insurance policy provides coverage for physical damage which your vehicle might sustain, in addition to injuries which you or your passengers might suffer. Moreover, it can also cover the costs of your legal defense if there are other people involved in the accident and they decide to sue you for damages.