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General Liability Insurance For Landscape Contractors

Landscaper subcontractors are those that are involved in a variety of artistic actions that aims to modify the visible features of land, or the preservation of decorative bushes, trees, and soil in residential and commercial areas. Landscaping  could include work on the gardens, designs of natural elements, objects, or abstract elements such as lights.

Landscaper contracts can be organized in another way, commercial or residential landscapers. They work with lawn and plant care where use of pesticide, herbicide, and fertilizers as well as chopping stems and removing leaves, as well as trimming of trees and shrubs are some of their normal activities.

Landscape contractors who work with the construction and maintenance of irrigation systems, sodding, working with synthetic turf, as well as the restoration of certain habitation are all types of works that landscaper artisan contractors deal with.

Coverage Needed by Landscaper Contractors

• Landscaping General Liability: Like all artisan subcontractors, landscapers require commercial general liability to cover them while working at customers locations. A  landscape artisan contractor insurance is needed to cover for their careless conducts while doing their work. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as  personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance carriers may have certain policy coverage exceptions for damages resulting from the use of pesticide, herbicide, and fertilizers. Other companies may not cover any damages resulting from imperfect design of landscaping. The main factors that mold the prices for the commercial liability of artisan commercial policy are annual payroll, yearly revenues and attributes of activities performed.
• Landscapers Artisan Subcontractor Business Auto: All contractors need this coverage for their autos that are utilized in the course of the business. A few smaller contractors erroneously insure their business autos under Personal Auto Policies (PAP), resulting in a great risk as a PAP does not cover the contractor if the vehicle is utilized for business applications. Garaging ZIP , ages and driving records of  the drivers play crucial roles in shaping the rate of the coverage.
• Landscapers Workers Compensations: Workers compensation is the law. For landscapers who hire others and pay salaries, a workers compensation policy is compulsory. If the landscaper has many employees that do more than one type of activities (such as clerical, drivers, etc.) categorizing the people at the time of obtaining insurance may decrease the insurance premium. Owners and officers may not include themselves from workers compensation coverage.
• Contractors Equipment and Inland Marine Coverages:  Landscapers may like to also cover the specified tools and certain equipment they use. Also they may need to get an installation floater insurance (covers contractor’s raw materials while in transit or while kept at a customer location). Also, insurance for rental equipment may be necessary if there is potential losses from theft or another loss on rented tools.
• Landscapers Umbrella or Excess Liability: Some larger size landscapers may need more liability insurance for better extra protection or to meet legal requirements.
• Contractors Property Insurance: This coverage may be essential if the contractor owns a building or certain scheduled  tools and equipment such as computers. The rates are based on amounts, description of property and area. Getting insurance for a landscaping contractors does not have to be a challenging task. Being attentive to exclusions of the coverage is a necessity.

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