Landscaping Insurance in Colorado
We provide landscaping insurance solutions to businesses in Colorado and beyond.
Landscaping Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc
What is landscaping insurance?
Landscaping work comes with certain risks, as accidents can happen, equipment can be stolen, and chemicals can leach. Landscaping insurance may help Colorado landscapers financially shield themselves from the costs that follow covered incidents.
Landscaping insurance policies offer a range of coverages that are tailored for landscapers and lawn care businesses. Policies typically include both liability and property coverages.
What businesses in Colorado does lawn care insurance make sense for?
Any business in Colorado providing lawn care or landscaping services may want lawn care insurance. These policies are generally appropriate for both landscapers and lawn care professionals. Some specific examples of the businesses and companies that get these policies are:
- Self-employed sole proprietors who mow lawns
- Local businesses offering lawn care and landscaping
- Statewide companies specializing in landscaping
- Seasonal lawn care businesses
- Others offering landscaping or lawn care services
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“Working with Holly McMillin Insurance Group was incredibly sufficient, easy and a great local business in our small town. The staff members were so helpful and genuine!”
“I have much of my home and auto insurance through McMillin Insurance Group and couldn’t be happier. I recently had to file an auto claim and it was handled very professionally and efficiently, and always executed to my satisfaction. Holly and all her staff are excellent!”
“Holly and her team have provided nothing but professional, friendly and excellent service for the past 5 years. We have expanded over the years and Holly is always quick to jump in and guide us through the options. And wonderful friends to boot!”
“Holly McMillin was very helpful, initialing providing advise and obtaining our current insurance provider. Over past years, Holly, has always been available for questions, and keeping current policies updated. Very professional company.”
“We recently switched our home and auto insurance to Holly McMillin Insurance Group. Not only did we save money, we are receiving better coverage (we were under-insured and had no idea until Holly educated us). Holly and her team have been so easy and kind to work with – they made the process seamless.”
“Working with Holly McMillin Insurance Group was incredibly sufficient, easy and a great local business in our small town. The staff members were so helpful and genuine!”
“I have much of my home and auto insurance through McMillin Insurance Group and couldn’t be happier. I recently had to file an auto claim and it was handled very professionally and efficiently, and always executed to my satisfaction. Holly and all her staff are excellent!”
What insurance protections should landscapers look for?
Lawn care insurance policies can provide several important property coverages, and also important liability coverages.
Property coverages primarily insure physical assets that a business owns. For landscapers, these might include:
- Commercial Property Coverage: May insure owned buildings and what’s in them. This could include coverage for lawnmowers, trimmers, spreaders, chainsaws, wood chippers, seeds, plants, treatments, and much more.
- Inland Marine Coverage: May insure equipment and inventory as they’re moved between locations. This could include everything from woodchippers on a trailer, to seeds and chemical treatments in a vehicle.
- Equipment Breakdown Coverage: May insure vital equipment if it malfunctions, often covering the costs of immediate repairs. This is usually limited to only larger and essential machinery.
Liability coverages are mainly for if there’s an accident, where another party is harmed and a business is responsible. Some liability protections that landscapers might consider are:
- General Liability Coverage: Typically applies to common accidents attributed to a landscaper’s actions (not including vehicle accidents).
- Errors and Omissions Coverage: Typically applies to mistakes made when advising customers on the installation or management of their landscaping (called E&O coverage).
- Product Liability Coverage: Typically applies to injuries, illnesses, and property damage caused by landscaping products, including fertilizers, pesticides, and herbicides.
- Environmental Liability Coverage: Typically applies to environmental harm caused by landscaping products, including spills, leaks, and over-applications of products.
- Commercial Auto Coverage: Typically applies to landscaper’s commercial vans and trucks. Often covers accident liability, and damage to the vehicles.
- Commercial Umbrella Coverage: Typically applies an extra layer of insurance, often offering protection against lawsuits that surpass the limits of another liability coverage.
Do landscapers need to get workers compensation coverage?
In Colorado, businesses with employees are generally required to have workers compensation coverage. Landscapers should expect to get it if they have employees, but individuals who mow lawns by themselves likely don’t need the coverage.
The purpose of workers compensation is generally to protect against workplace injury or illnesses.
Can landscaping policies cover snow removal?
Insurance companies understand that many businesses provide both landscaping and snow removal services. Policies that cover both services are readily available.
It’s important to work with a specialized agent who knows landscaping and snowplowing policies, however. A knowledgeable agent will be able to make sure the right coverages for each type of work are included within a policy.
Can landscaping policies cover landscape architecture services?
Landscape architects may find that a landscaping policy suits their needs, but it’s important to confirm that the policy covers all aspects of architectural design work. In particular, landscape architects should review a policy’s errors and omissions coverage with a specialized agent.
Where can landscapers and lawn care businesses find landscaping insurance?
For help finding landscaping insurance, get in touch with the independent insurance agents at The DeLuca Agency. Our Colorado agents will work closely with you to find a landscape policy that’s tailored to your business’s specific needs.
Get in touch with our team!
For questions or concerns, please contact our independent insurance agents.
CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732
MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500
UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078
Email: steve@delucaagency.com