Commercial Liability & Property Insurance
General Liability protects your business against financial difficulty in case someone sues for property damages or bodily injury. This policy also helps cover the cost of your legal defense and any court-ordered compensation.
From blowers to mowers we know you couldn’t do your job without quality equipment. We also know good tools don’t come cheap, which is why you need Commercial Property Insurance to cover the cost of replacement or repair. This policy also provides coverage for your main business location in case of theft, vandalism, or natural disaster.
Commercial Auto Insurance
Next up, consider Commercial Auto Insurance in case you or any of your workers are involved in an automobile accident using a business vehicle. Your personal car insurance policy does not cover work-related accidents in Texas, so don’t assume you can skip this essential coverage.
Workers Compensation Insurance
We know it’s difficult to think about, but if one of your workers gets injured, sick or, worst of all, loses their life due to work-related injuries or illness, Workers Compensation Insurance helps cover the cost of missed wages, along with hospital, medical, or funeral expenses. Run a small crew with a few subcontractors? Workers Compensation Insurance will even cover you, the owner in case of injury. Most landscaping businesses can’t survive without the owner actively working and managing projects, which is why we strongly recommend including yourself in coverage.
Professional Liability Insurance
Lastly, any small business providing specialized services like landscaping should have Professional Liability Insurance to protect against negligence, malpractice, or misrepresentation claims.
What does this mean? One of your clients or subcontractors can claim you didn’t provide services as advertised or made mistakes on the job. Whether it’s planting too close to structures or not installing proper drainage, any mistake job related that could result in legal trouble. Isn’t this the same as General Liability coverage? No, general commercial policies exclude claims related to landscaping expertise. Professional liability will cover against negligence claims plus pay for any damages that may be awarded in a civil lawsuit.