Landscaping Companies: Are You Underinsured?

by Rob Bowen, Patriotic Insurance Group

As we all know, insurance policies are a necessity for businesses. Unfortunately, many businesses are underinsured and do not realize it until it’s too late. One industry that is particularly underinsured is landscaping.

The issue with landscaping is that there are different classifications of landscaping companies. The first classification is lawn maintenance. This classification allows landscapers to mow lawns, plant bushes, and trim trees. However, they are not allowed to do any work that requires them to leave the ground.

The confusion arises when landscapers start doing work that is outside of their classification. For example, if a landscaper begins to do retaining walls or tree trimming, they are no longer classified as a lawn maintenance company. This means they need a different insurance policy that covers the work they are doing.

Another area that is often overlooked is snowplowing. Many landscapers offer snowplowing services during the off-season, but this requires a completely separate policy. Snowplowing comes with its own set of risks, and it’s important to have the correct insurance coverage to protect your business.

It’s important for landscapers to be honest with their insurance agent about the work they are doing. This will ensure that they have the correct policy in place to protect their business. It’s also important to read the policy carefully to understand what is covered and what is not covered.

Unfortunately, many landscapers learn that they are underinsured after a claim has been filed. This can be a devastating blow to a business. It’s important to take the time to review your policy and make sure you have the correct coverage in place.

Landscaping companies need to be aware of the different classifications of their industry and make sure they have the correct insurance coverage for the work they are doing. Don’t wait until it’s too late to find out that you are underinsured. Take the time to review your policy and make any necessary changes to protect your business.

Rob Bowen is the founder and CEO of Patriotic Insurance Group and Financial Services Professional at True North Financial Solutions. Prior to opening his insurance agency, he held various management positions at Fortune 500 Financial Services companies. I am a US Navy Veteran, BNI Rainmakers Chapter Member, and American Legion Vice Commander.