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Comprehensive Landscaping Insurance Coverage in Illinois

Protecting Your Landscaping Business with Freedom Brokers
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Landscaping Insurance Provided By Our Agency

Running a landscaping business in Illinois involves more than just managing unpredictable weather and slow seasons. From accidents with lawn care tools and machinery to dealing with unsatisfied customers, you need a robust insurance policy to protect your business.

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Environmental coverage
General liability
Commercial auto
Workers’ Compensation
Inland marine

Environmental coverage

Risk Factors

Environmental impairment exposure is significant. The application of chemicals can result in damage to air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products.

Solution

This can cover you in case you are liable to pay fines & legal expenses for polluting the environment.

General liability coverage

Risk Factors

Third-party injury and property damage are the greatest risk exposures in the lawn care business with claims and lawsuits that can exceed hundreds of thousands of dollars.

Solution

It covers bodily injury or property damage to third parties like the people or entities other than your employees or your business. Without general liability insurance, a lawsuit could bankrupt your business.

Commercial auto coverage

Risk Factors

Your commercial vehicle can be liable for other party’s injuries or property damage if you or your employee cause an accident while driving for work.

Solution

It includes liability coverage. Landscaping business owners can opt for coverage that pays for damage to their vehicles, roadside assistance, and medical bills for them and their passengers.

Workers’ compensation coverage

Risk Factors

Your workers may face several work hazards, such as sharp tools, heavy equipment, operating machinery and vehicles, and even animal bites, which make workers’ comp coverage critical for your small business.

Solution

It covers medical bills and wage replacement for employees who suffer work-related injuries or illnesses. This coverage is necessary for many landscaping businesses because of the risks involved, plus most states require workers’ comp coverage if you have any employees.

Inland marine coverage

Risk Factors

Because transporting equipment is common in the industry, most insurers should include at least some inland marine coverage on their property policies to be on the safer side.

Solution

It covers your equipment, tools, and supplies as you move them from one job to another or while delivering your landscaping products, such as plants and trees, to a client. Policies can also cover any equipment you store away from your primary location, like a client’s shed or a garage.

Essential Insurance Policies for Your Landscaping Business

Depending on your unique needs, several insurance policies might be necessary for your landscaping business. Here are the key policies you should consider:

General Liability Insurance

General Liability Insurance, also known as Commercial General Liability (CGL) insurance, protects your landscaping business from costs related to third-party accidents, property damage, bodily injury, and lawsuits. 

With general liability insurance, you can avoid being responsible for all expenses related to operating a landscaping company. For example, imagine a situation where a customer trips over a leaf blower left in their yard and files a lawsuit against you for their injuries. The medical and legal expenses could amount to thousands of dollars. General liability insurance covers:

  • Bodily injury to others
  • Medical expenses
  • Third-party property damage
  • Personal and advertising injury
  • And more

However, general liability insurance does not cover:

  • Damage to your property
  • Damage to your work
  • Motor vehicles used in business
  • Intentional injury or damage
  • Professional services
  • Workers' compensation or employee injuries

Protecting your equipment if it's stolen or damaged is also crucial. Some general liability policies offer content coverage for tools and equipment.

Workers' Compensation Insurance

As a landscaper in Illinois, you handle various tools and machines, making workers' compensation insurance essential. Most states mandate this coverage to protect yourself and your employees from accidents. 

Imagine a worker dropping a shovel and breaking their foot or getting injured using lawn scissors. Workers' compensation insurance covers lost wages, medical expenses, and rehabilitation costs. 

According to the CDC, over 229,000 workplace accidents involving tools and machinery occurred in 2017, costing $161.5 billion. Workers' compensation for landscapers covers:

  • Medical payments
  • Death benefits
  • Lost wages
  • Rehabilitation expenses

Additional Insurance Policies for Your Landscaping Business

Other essential insurance policies include:

  • Commercial auto insurance
  • Contractor's tools and equipment insurance
  • Property coverage
  • Inland marine coverage
  • Umbrella coverage

Benefits of Landscaping Insurance in Illinois

Starting a landscaping business in Illinois is expensive, with equipment, vehicles, and marketing costs. Adding insurance may seem overwhelming, but the cost of coverage is minor compared to the expenses of a lawsuit or workplace injury. Moreover, having insurance may be a legal requirement in your state.

Landscaping insurance provides peace of mind, protecting you, your family, employees, and customers. Insured businesses are perceived as more legitimate, offering a vote of confidence that can attract more customers.

Contact Freedom Brokers to learn how we can protect your landscaping business in Illinois.

Already have Landscaping Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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