Working with dangerous lawn and garden chemicals, chain saws, pole saws, tractors, edgers, and other landscaping and tree equipment can expose landscapers and arborists to specific and unique risks. You also have to manage the usual risks most small business owners take into consideration like property damage to your office or loss of important business records.
Business Owner’s Policy
Most landscapers and arborists have a Business Owner’s Policy (BOP). Why? Because it protects your landscaping or arboriculture business in much the same way a homeowner’s insurance policy protects your home and personal possessions.
By combining three basic insurance coverages that are important to virtually every small business, a BOP can save landscapers and arborists money on insurance cost while protecting the small business you strove to build.
- General Liability – helps protect landscaping or arboriculture businesses from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer comes to your office to review landscape plans and gets hurt tripping over your doormat. Likewise, you could be sued if an employee causes damage to a customer’s property, for example if they broke a fixture while using the customer’s facilities. It even helps cover certain claims of slander and libel. Business Liability insurance does not cover liabilities directly arising out of the professional landscape or arboriculture services you may provide.
- Commercial Property – helps protect your primary place of business and the things you use to conduct business, like landscaping tools and arborists equipment, office furniture and more – whether leased or owned.
- Business Income – helps cover the loss of income when you can’t run your landscaping or arboriculture business because of covered property damage.