Insurance for Landscapers in Texas

Landscaper Insurance Austin, TXLandscapers work rain or shine and run power equipment and carry heavy loads. You love this stuff! Transforming people’s landscape was the reason you started this job in the first place. But, being a landscaper does carry certain risks both in injuring yourself, an employee, a client, or having an accident that destroys your client’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.

Landscaper insurance can encompass the following types of coverage:

  • General Liability: Also known as commercial liability insurance and covers the general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
  • Commercial Auto Insurance: Your commercial autos, like a pickup or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will go to/from jobs and while being stored.
    • Types of commercial auto for landscapers can include:
      • Dump trucks
      • Pickup Trucks
      • Box Trucks
      • Standard Vehicles
    • Workers Compensation: If you have employees that work for you, it is crucial that you carry workers compensation insurance. Your job as a landscaper is hard work and workers can easily injure themselves on the job. Workers compensation insurance will cover the costs associated with an employee’s work-related illness or injury. Avoid penalties and fines and be sure to carry this important coverage.
    • Business Owners Insurance: If you want to bundle your commercial insurance you may want to consider a business owners Insurance policy. A BOP usually bundles property damage, business interruption, and liability insurance into one policy.

It is common for homeowners or businesses to require proof of insurance before starting a job. While typically they only ask for a copy of your General Liability Insurance policy, it is important that you maintain coverage to not only protect you, but to ensure your landscaping business stays busy.

Trust Heaton Bennett Insurance in Austin, TX to assist you in setting up a landscaper’s insurance policy. We can assist with coverage, explain state liability insurance requirements and help with specialty needs to make your insurance shopping easy. If you’d like a proposal for your landscapers insurance, simply call or click the button to the right. We look forward to helping you with your business insurance in Texas.

Frequently Asked Questions

Can landscaper insurance cover accidental damage to a customer’s property?

General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Coverage depends on the incident, policy terms, limits, exclusions, and deductible.

Are mowers, trimmers, trailers, and other equipment covered?

Coverage may be available for eligible landscaping tools and equipment stored at a shop, transported between locations, or used at jobsites. Current equipment values should be provided to the insurance agent.

Are chemical applications or pesticide-related incidents covered?

Pollution or chemical-related losses may be limited or excluded under standard policies. Texas landscapers who apply pesticides, herbicides, or fertilizers should discuss these operations with their agent.

Are subcontractors covered under a landscaping company’s policy?

Subcontractors are not necessarily covered automatically. Landscaping businesses should review written agreements, certificates of insurance, and subcontractor exclusions.

Does a landscaping company need commercial auto insurance?

Commercial auto insurance may be appropriate for trucks and vans used to transport employees, plants, tools, or equipment. Trailers and mobile equipment may require separate consideration.