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Why Landscape and Lawn Care Services Need Special Insurance

Both landscape architects and lawn care servicers need to cover their risk of liability.

Landscape Architect Professional Liability Insurance

Landscape architects are university accredited to plan effectively for an aesthetically pleasing garden. Licensed in the majority of US states to select plants and floral arrangements, these professionals also employ their knowledge in associated engineering for drainage, and garden structure. Depending on their services – a design-only company or a division of a design and build landscape contracting business - these professionals typically present construction documents and may also offer construction management servicing.  The risks in design that insurance covers include areas such as:

  • Playgrounds
  • Toddler play lots
  • Residential areas
  • Common areas in commercial zones
  • Parks
  • Upmarket residential properties and estates

Lawn Care Services Liability Insurance

 

Lawn Care Businesses Typically provide any of the following services:

  • Lawn mowing
  • Weed, insect and disease management
  • Seeding and sodding
  • Landscaping
  • Plant maintenance
  • Installation of sprinkler systems

One of the main liability worries involves pesticide, herbicide, and fertilizer application but the insurance companies cite overall services, and worker training and experience as important concerns as well.

For more information on this type of coverage protection, landscapers, and lawn care professionals should contact a knowledgeable independent agency that deals with a broad spectrum of the leading insurance underwriters.

PRIME Insurance is a 3-generation family-run independent agency that has won the admiration of the industry. We’ve been presented with numerous awards and been appointed to conduct direct business with more than 40 of the leading companies - big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With thousands of satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate tailored coverage at competitively lowest quotes.

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PRIME Insurance provides all forms of coverage across the country, including NJ, NY, PA, FL, TX, IN, TN, CT and other US states. We offer auto, home, renters, business, bonds, workers comp, flood, life insurance and more. We invite you to experience the PRIME difference by visiting us on our online insurance website; emailing us at PRIME [at] primeins [dot] com; or by calling us at 732-400-5242!

Summary: For the landscape architect and lawn care professional there’s more to business than roses, violets and how to beautify a garden or property. Exposure to liability risks necessitates proper insurance coverage.


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