New York Landscaping Insurance

General Liability Insurance 

As a landscaper, your work often takes you into the yards and properties of others, exposing you to potential liabilities.

General liability insurance can help protect your business from claims of bodily injury, property damage, and personal injury (such as slander or libel).

Imagine accidentally damaging a client’s expensive garden sculpture while operating a lawnmower, or a passerby tripping over your tools and sustaining an injury.

Without commercial general liability coverage, your business could be on the hook for costly legal fees and settlements if a customer or if an employee gets injured on the job.

The National Association of Landscape Professionals reports that a staggering 40% of landscaping lawsuits involve property damage, highlighting the importance of this essential coverage.

Workers’ Compensation Insurance 

There are many risks that come with running a landscaping company. The risk of on-the-job injuries is ever-present.

From slips and falls to accidents involving dangerous equipment, your nursery landscape workers’ compensation safety should be a top priority. 

Landscapers have adequate workers compensation insurance that covers medical expenses and lost wages for injured employees and protects your business from potential lawsuits.

In New York, workers’ compensation coverage is a legal requirement for most employers.

Failure to carry this coverage can result in severe penalties and fines, not to mention the financial burden of covering an employee’s medical expenses and lost wages out of pocket.

Commercial Auto Insurance

Whether you’re transporting equipment, hauling materials, or simply commuting to job sites, commercial auto insurance is a necessity for any landscaping business with work vehicles. This coverage protects you from financial losses resulting from accidents, property damage, and liability claims.

For those with specialized equipment like trailers or landscaping machinery, The Allen Thomas Group can tailor your commercial auto policy to ensure proper coverage for all your business vehicles and equipment.

Commercial Property Insurance 

Your tools, equipment, and workspace are the backbone of your landscaping business.

From lawnmowers and trimmers to storage sheds and greenhouses, commercial property insurance safeguards your valuable assets against damage from fire, theft, vandalism, and other covered perils.

Imagine the devastating impact of a fire destroying your equipment shed or a burglary leaving you without the tools necessary to carry out your services.

With proper coverage for your equipment, you can rest assured that your business assets are protected, whether damaged or stolen, allowing you to bounce back quickly when unforeseen disasters strike. 

Your property insurance covers equipment stored at your location. On the other hand, inland marine insurance covers your equipment en route job sites.

Commercial Umbrella Insurance

Running a landscaping business is full of risks. When other landscaping insurance policies are insufficient, commercial umbrella insurance policy acts like a safety net for landscaping companies in New York.

It provides extra liability coverage when a lawsuit exceeds the limits of your primary insurance.

This is crucial because landscaping work can lead to expensive lawsuits, and umbrella insurance protects your business assets from financial ruin.

It’s affordable and offers broader coverage than standard policies.

While you still need primary insurance, umbrella insurance provides peace of mind for those “just in case” scenarios.