Landscaper Insurance
At Concklin Insurance Agency, we understand the importance of providing excellent service to your customers. That's why we are dedicated to protecting your business with customized insurance solutions that are tailored to the landscaping industry. As a small business owner, you can trust us to provide the coverage you need to confidently carry out your work. From maintaining residential lawns to delivering mulch to commercial clients, we've got you covered. We are here to help you navigate the details of any policy limitations and provide peace of mind as you focus on delivering top-notch service to your customers.
There are several types of insurance that a landscaping company should consider to protect their business and employees. Some of the most common types of insurance for a landscaping company include:
- General liability insurance: This type of insurance covers damages or injuries that occur on the job, such as if a worker accidentally damages a client's property or if a client is injured while on the company's property.
- Workers' compensation insurance: This insurance covers medical expenses and lost wages for employees who are injured on the job. It is required by law in most states.
- Commercial auto insurance: If the landscaping company uses vehicles for business purposes, they will need to have commercial auto insurance to cover damages or injuries resulting from a car accident.
- Business interruption insurance: This insurance covers lost income and expenses if the company is unable to operate due to a covered event, such as a natural disaster.
- Property insurance: This insurance covers damages to the company's own property, such as equipment or tools.
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In addition, a landscaping company may also want to consider purchasing an equipment floater policy.
An equipment floater is a type of insurance policy that covers the company's equipment, such as lawn mowers, trimmers, and other tools, while it is being used for business purposes. This coverage is often referred to as "inland marine insurance" and is separate from property insurance, which typically only covers damages to the company's equipment while it is stored on the company's premises.
An equipment floater can provide coverage for damages or losses to the company's equipment due to a variety of causes, such as theft, fire, or accidental damage. It can also cover the cost of renting replacement equipment if the company's own equipment is damaged and cannot be used.
In terms of how an equipment floater would apply coverage to different scenarios, here are a few examples:
- If a landscaping company's lawn mower is stolen while being used at a client's property, the equipment floater would cover the cost of replacing the mower.
- If a worker accidentally damages a company-owned trimmer while using it on the job, the equipment floater would cover the cost of repairing or replacing the trimmer.
- If a natural disaster (such as a tornado or hurricane) damages the company's equipment while it is being used on the job, the equipment floater would cover the cost of repairing or replacing the damaged equipment.
Overall, an equipment floater can provide an extra layer of protection for a landscaping company's equipment and help ensure that the company can continue to operate smoothly in the event of damages or losses to their equipment.
It's important for a landscaping company to carefully assess their unique needs and choose insurance policies that provide the appropriate level of coverage for their business. Our trusted insurance advisors are here to help.
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Craig Concklin
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The Concklin Difference
Family Owned Small Business
We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981. We continue to be a family owned, small business to this day.
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