Insurance for your Lawn Care Business
Every business needs business insurance. Whether you’re running a car wash, delivering groceries or cutting hair, if you don’t have insurance, all it takes is one accident and you’ll regret it. The fact is that there are a lot of people out there who want a piece of you, and there are a lot of legitimate issues you can run into, and there are a lot of setbacks that can put you out of commission if you don’t have some form of coverage.
When it comes to insurance for your lawn care business, there are a few types of coverage that you will absolutely need to have, including…
Liability Coverage
Liability is one of the most important pieces of insurance for any business owner. This basically keeps you from getting sued right out of business. If somebody, for any reason, decides that you are at fault when they hurt themselves or are injured by your equipment or even on a lawn you just took care of, and they decide that it’s all your fault, well, liability insurance ensures that they don’t get any of your money for it. You may still want to fight them in court to protect your reputation, but at the very least, you have a way out if somebody decides that it’s your fault that they slipped on a lawn you just sprayed.
Lawn Care Equipment Insurance
Getting your equipment covered is just as important. Now matter how well you care for your equipment, the fact is that you never know what kind of disaster might take place. Your new assistant might leave the mower out in the rain, etc.
I’ve known more than one person who went inside to get a drink, while fueling up at a gas station, only to come back out to find their trimmers or edgers missing off the trailer.
There’s simply so much that can happen that you can’t possibly plan for, and that’s why insurance for lawn care businesses absolutely must include some form of equipment insurance.
Commercial Truck Insurance
If you’re relying on your regular car insurance to cover your truck, you may want to consider looking into commercial or professional auto insurance. These insurance packages offer coverage that regular car insurance cannot, including everything from business equipment insurance (if your property is damaged in a car accident, for instance) to employee insurance, should your employees get injured in an accident or cause an accident while driving your car.
There are a lot of other options for business insurance, but you should really consider checking out these three listed above.
