North Carolina Landscaping Insurance

General Liability Insurance 

General liability insurance protects your business from third-party claims of bodily injury, property damage, and lawsuits arising from your work. 

This versatile general liability insurance policy acts as a safety net, shielding your business from the financial impact of common landscaping situations. General liability insurance is one of the most important coverages for landscapers. It safeguards you in the event of bodily injury and property damage.

– Client injuries caused by malfunctioning equipment 

– Property damage from improper weed killer application

– Customer tripping over a hose or tools left on site

Professional liability insurance policy defines specific coverage limits, which represent the maximum amount your insurance provider will pay for a covered claim. 

Workers’ Compensation Insurance 

It is mandatory for NC businesses with three or more employees to carry workers compensation insurance. This type of insurance can help your workers receive medical care. 

Workers’ compensation coverage will cover the cost associated with wage replacement if they suffer a work-related injury or illness, safeguarding both their well-being and your financial interests.

Commercial Auto Insurance Policy

From pickup trucks to trailers used for hauling equipment, your work vehicles face unique risks on the road.

That’s why you need a commercial auto insurance for landscapers to protect your fleet against accidents, theft, and damage, keeping your operations running smoothly.

For many North Carolina landscapers, a fleet of work vehicles is essential for transporting crews, hauling equipment, and reaching job sites efficiently.

However, these vehicles face unique risks that may not be covered under a standard auto policy. Commercial auto insurance can protect your business by providing tailored coverage options like:

– Liability protection for bodily injury or property damage caused by your drivers

– Comprehensive coverage for theft, fire, vandalism, and weather damage

– Collision coverage for repairing your vehicles after an accident  

– Coverage for pickups, trailers, and specialized vehicles like sod cutters

Business owners’ insurance  (BOP)

For a cost-effective solution, consider bundling property and general liability coverage into a comprehensive Business Owners Policy. This streamlined approach simplifies insurance management for small business owners while providing robust protection for landscapers in North Carolina.

Landscapers need BOP to help protect your business from potential risks.

Inland Marine Insurance

 Specializing in landscaping and lawn care business often means investing in specialized tools and equipment like sod cutters or tree spades.

Inland marine insurance is an important insurance for landscaping businesses that safeguards these valuable tools against theft or damage while in transit or storage.

Errors & Omissions Liability (E&O)

If your services extend to design-build projects, errors and omissions liability insurance is a must-have.

An important insurance resource, it protects you from financial repercussions stemming from mistakes made during the design phase, ensuring your artistic vision doesn’t become a legal nightmare. While it shields your business in the event of costly mistakes, E&O coverage can help save you money.

Commercial Property Insurance 

While public liability is a crucial concern, don’t overlook the importance of protecting your own business property and assets. A comprehensive property insurance policy can provide coverage for:

• Buildings and office spaces
• Landscaping equipment (mowers, trimmers, tools, etc.)
• Inventory and supplies 

An important insurance product, this landscaping insurance protects your investments against perils like fire, theft, vandalism, and severe weather events.