Your customers depend on you to help make their lawns and gardens look the best. You need an insurance agency to rely on to protect your business. At Sine Insurance Group, we understand that you can’t take a chance on equipment malfunctions or on-the-job injuries and provide you with the insurance coverage needed to step in when something goes wrong. We work with top insurance carriers and can negotiate a competitively priced insurance program on your behalf.
Understanding Your Needs
Our main goal is to help you mitigate and minimize risks, which in turn reduces costs and improves your bottom line. This means having an understanding of the various risks your business and employees face. This also means understanding the various landscaping industry professionals that require landscapers insurance, including:
- Tree trimmers
- Landscape architects
- Landscape designers
- Lawn irrigation contractors
Your business insurance needs are also defined by the types of coverages you require. General liability will protect your business in the event of litigation and other financial liabilities arising from a lawsuit due to an accident or some other type of mishap. Professional liability or errors & omissions insurance provides protection should you find yourself in a lawsuit alleging that the work you performed caused a client financial harm.
Additional exposures you face include pollution exposures from fertilizers, pesticides and fuel spills; damage to utility lines or the property of others; and auto accident liability for both owned and non-owned vehicles – all requiring coverages designed to respond.
Equipment breakdown insurance is also important in the event a critical piece of machinery fails. A commercial umbrella policy may be needed to expand your liability coverage in the event of a catastrophic loss, and more. We can also help you cover additional insureds if you use subcontractors.
Workers’ compensation insurance is essential to provide financial reimbursement for medical costs and a portion of lost wages should an employee become ill or injured during the course of their work.
At Sine Insurance Group, we also realize you may offer additional services beyond landscaping care. For instance, you may also run a nursery, provide snow plowing, or snow removal during the winter months. We’ll review your operation to ensure you have the right coverage and amounts for the services you provide.