Illinois Landscaping Insurance

General Liability Insurance 

Commercial general liability insurance is the cornerstone of any comprehensive insurance plan for your landscaping business. This coverage protects you in the event that your actions result in damage to a client’s property or a third party is injured due to your landscaping operations.

General liability coverage protects you against claims that your work caused damages, bodily injury, and advertising injury.

If an employee accidentally causes damages to a client’s property while trimming trees or installing a new landscape design, general liability insurance for landscapers can come to your rescue.

It helps cover the cost of such liability claims of bodily injury or property damage, repairs, or replacements.

Additionally, many general liability policies include Products & Completed Operations Coverage, which can protect you from claims related to faulty workmanship or defects in your landscaping projects.

General Liability Insurance is often considered the cornerstone of a business owner’s insurance package for landscapers in Illinois.

It functions similarly to business owners’ insurance by protecting your business from financial losses caused by third-party injuries or property damage arising from your landscaping operations.

Workers’ Compensation Insurance 

Workers’ comp is mandatory for landscapers in Illinois with one or more employees. This insurance for landscaping businesses is designed to protect you from claims of injuries to workers.

There are times when employees may sustain job-related injuries or illnesses.

Workers comp covers their medical expenses, lost wages, and rehabilitation costs. 

Failing to carry workers’ comp can result in severe penalties and legal consequences, making it an essential component of your insurance plan.

Commercial Auto Insurance

If a landscaping contractor uses vehicles for business purposes, transporting equipment, materials, or employees, commercial auto insurance is a necessity. 

Unlike personal auto insurance, commercial auto insurance policy is designed to cover vehicles used for business purposes, including trucks, vans, and trailers.

This coverage can protect your landscaping and lawn care business from the financial consequences of accidents involving your work vehicles, covering damages to third-party vehicles or property, as well as medical expenses for any injuries sustained by your employees or other parties involved in the accident.

Commercial Property Insurance 

As a landscaping business owner, your equipment, tools, and other physical assets are vital to your daily operations. Any damage to your equipment can bring your business operations to a halt. You need insurance that covers you against such risks.

Commercial property insurance can protect these valuable assets from damages caused by fire, theft, vandalism, or natural disasters.

It can also provide coverage for lost income if your business is temporarily unable to operate due to a covered event. 

Pollution Liability/Herbicide-Pesticide Insurance

As a landscaper and lawn care professional, you may use herbicides, pesticides, or other chemicals as part of your operations.

Pollution liability insurance, also known as herbicide-pesticide insurance, can protect your business from environmental damage caused by chemical spills or improper application of these substances.

 This coverage can help cover the costs of cleanup, legal fees, and any fines or penalties you may face as a result of environmental contamination.