As a Gardening and Landscaping consultant in Richmond and surrounding Tidewater VA regions, it is very important that you take the proper precautions to help protect all of your assets, whether that be your gardening equipment, your transportation, and especially yourself and your workers. To do this you must have the right insurance. Today, we have the help of Insurance Doctor to discuss all of the insurance coverages you can get for your company.
There are few insurances & coverages that every landscaper should be familiar with and some of those are general liability insurance, business property insurance, workers’ compensation insurance, and commercial car insurance.
General Liability Insurance Specifications
This type of coverage is a must have. If you were ever to have a lawsuit due to accidents or mishaps, then this coverage could be there to help you out. There are many different coverage options within one of these plans but some other coverages may also help you out when theft or advertising injury occur. It can also help with certain property damages, replacement costs, bodily injury, and even personal injury.
The Importance of Worker Compensation Insurance
This coverage is also vital when owning your own gardening consultation company. If one of your workers is injured on the job and medical bills are accruing over time, then this could help cover them. It can also be helpful if someone becomes ill due to work conditions like exposure to chemicals or poorly ventilated work spaces.
Different Types of Auto Insurance for Landscapers
Depending on the type of vehicle you own will dictate which auto insurance you must get. In Virginia, this is a business requirement. You must choose between business auto insurance, commercial truck insurance, commercial pickup truck insurance, commercial van insurance, trailer insurance, and even dump truck insurance if you have a larger operation. Having the correct insurance ensures that, in the event of an accident, you will be covered.
Commercial Trucks Include:
- Front loaders
- Tank trucks
- Auto haulers
- Box Trucks
Commercial Vans Include:
- Long Bed Vans
*If you’re running a dump truck insurance, it is most likely that you will also need physical damage insurance to cover your own vehicle.
Each state has different insurance coverage requirements for landscapers so it is very important to know what is necessary to operate your business.
Ways to Prevent Accidents & Injuries
The best way to prevent yourself from falling into a financial pitfall is to implement a plan of action that helps reduce unnecessary risks. By building a proper game plan and creating standard protocols you can help reduce your risk of injury or future accidents. Some things that you can do as a landscaper to help achieve this is:
- Put aside some time before work begins to explain tasks and work that everyone is responsible for
- Have the necessary equipment to do the job
- Have first aid available on every job site
- Have a game plan on what to do if someone is injured
- Create protocols for use of all heavy machinery
- Create standard hand signals for when loud machinery is being used
- Ensure that anyone driving is properly licensed
- Make sure that no one is under the influence of drugs and/or alcohol
- Post proper usage on any danger pieces of hardware like precautions to take when using an auger
These are just a few safe practices a professional landscaping company could put into effect to help reduce the risk of accidents or injuries.