Why Is Commercial Insurance Important For Your Landscaping Business?

​Landscape insurance is indispensable when it comes to protecting your business against financial losses or any third-party claims such as those involving damage to property or other accidents. The importance of commercial property insurance, as well as compensation for workers, cannot be emphasized too heavily. Although the insurance coverage and total cost of the landscape business insurance depend on multiple variables, it is better to open your mind to the benefits that this can bring you.

​It Protects Your Employees
Employee protection is always one of the best features of commercial insurance for your landscape business. For example, if your employee gets injured on the job or while driving the company vehicle, you can protect yourself from possible lawsuits. This can also cover necessary medical expenses. Your policy can always supplement what your employee’s personal policy cannot cover.
 
It Protects Your Business From Clients
In case your employee was the one who caused an accident, this particular coverage will be the one to pay for the damages. It will also include all other medical expenses of any third parties who were harmed in the incident. Also, if one of your employees stole something from a client, this insurance can also prove to be useful. A client injured by the debris from your company could always lead to an expensive lawsuit if you do not have this type of protection.

It Protects Your Tools and Property
Physical damage coverage in your insurance policy may also pay for the physical damage on your vehicle in the case of an accident. In case your vehicle is stolen, wrecked or vandalized, then you can always make use of this coverage. Moreover, you can protect your lawn care equipment and tools while they are in transit to the site of construction. 

It Protects Your Property Against Natural Damage
Commercial insurance for your landscape business can protect your office and workshop from natural calamities such as windstorms, floods, and other disasters like earthquakes. Homeowner’s policies do not cover such damage if you are doing your landscape business from home. 

Some Final Words
The value of commercial insurance to your landscaping business cannot be emphasized too heavily. Without commercial insurance, your business will suffer a lot from the hassles of having to pay so many damages in case accidents happen. If you want to learn more about this type of insurance, visit our website today

At Arnold, Bruce & Doerfler Insurance, we put our clients first by offering them policies that they can afford. Having an insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (503) 222-1951. You can also request for a free quote by CLICKING HERE.