Coverage landscapers commonly need
- Commercial general liability: property damage and injuries from your work, such as a stone thrown by a trimmer
- Equipment floater: mowers, trimmers, skid steers and other equipment, including theft from trailers
- Commercial auto and trailers
- Pesticide or herbicide application coverage where you apply chemicals (licensing requirements also apply)
- Snow and ice removal liability, which many insurers treat separately and underwrite carefully
Snow removal
Slip-and-fall claims from snow and ice contracts are among the most common for these businesses. Insurers will ask about your contracts, logs of service times and the sites you clear. Good record-keeping can help both insurability and defence of a claim.
What to have ready
- Services offered and percentage of revenue from each
- Residential versus commercial clients
- Equipment list with values, and vehicles and trailers
- Snow contracts and service logs, if applicable
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.