Lawn Care Business Insurance Basics

In this sue-happy, competitive world, businesses have to learn to manage risk in order to survive and thrive. Making sure you have adequate protection for your lawlandscaping business is a must to protect your personal and business assets. While it is often a time-consuming and frustrating experience every successful business owner will go through it.

Landscaping Business Insurance 
Like any other business entity, landscaping businesses do need adequate insurance cover to protect their assets. In order to provide the specific needs, many insurance companies have created specialty insurance for the landscaping industry. While you can often get commercial insurance through your home and auto agent, it often pays to shop the specialty insurers as they are better able to understand the risks present to your industry and can price the policy accordingly. When obtaining business insurance and the agent/company do not understand your business or industry then you will get a higher rate so they are protected from the unknown.

Types of Coverage for Landscaping Business 
Landscaping businesses have different kinds of insurance protection that may suit their different needs. Choose the one or go for all of them to prolong the life of your landscaping business.

A few different types of insurance you may want to consider for your landscaping business.

• Business liability
• Property damage 
• Inventory loss
• Theft 
• Mechanical breakdown 
• Vehicle 

While it is a time-consuming process, researching the different types of lawn care business insurance and what is included/excluded in your policy is critical to the operation of your business should something bad happen. Talk with your agent, attorney and other business owners to make sure you are getting the proper insurance for your business.

For more information about starting a lawn care and landscaping business visitwww.StartingLandscapingBusiness.com