Landscape Business Insurance San Diego

General Liability Insurance for Landscapers

It provides coverage in cases when a third-party (bystander or customer) is a victim of different circumstances, like property damage, bodily injury, and advertising injury. It will cover the costs of legal fees and settlements that could otherwise bankrupt your business.

Business Owner’s Policy (BOP)

It combines general liability with a commercial building and personal property coverage into one package, which is more affordable than buying each policy separately. It covers the liability claims along with commercial building and its contents.

Workers’ Compensation Insurance

Protects medical expenses and a portion of lost wages for employees that are injured or become ill on the job. In addition, it covers employee rehabilitation, death benefits, court costs, and legal fees if you are involved in a lawsuit related to the employee’s injury.

Professional Liability Insurance

Also known as errors and omissions insurance, it protects you from the risks you face in delivering your professional services. Error and omissions coverage protects you against mistakes that can lead to the financial loss of your clients.

Tools and Equipment Coverage

Maybe you keep your tools and equipment in your vehicle, on a job site, or in a trailer. Ensure your or borrowed equipment is protected against damage or theft, no matter where you keep it. This insurance will pay the costs of repair or replacement of your gear.

Commercial Auto Insurance

This coverage protects your business from unexpected expenses if your employees are involved in an accident, including medical bills, property damage, and legal fees. If you use your vehicle for work, you may need a business auto insurance policy.

Commercial Property Insurance

This type of insurance covers the assets like buildings, tools, equipment, or nursery inventory of plants against losses in the event of theft, fire, vandalism, hail, or windstorms. It usually covers the equipment at the address listed in the policy.

Business Income Insurance

It helps cover the lost income in cases when your business must be shut down due to covered peril – fire, wind, or theft. Coverage applies to loss suffered during the time needed for replacement or repair of the damaged property.

Commercial Umbrella Coverage

It provides additional coverage on top of your general liability policy to help you pay for costs that exceed the policy limits. Represents an extra layer of protection that can help you cover bodily injury or property damage claims, including legal expenses, judgments, and settlements.