4 Signs that it’s Time to Purchase Landscape Contractor Insurance

Guidance for Your Texas Business from The Nowell Agency

As a landscaper, you spend hours out in the sun mowing, trimming, digging, and planting. All of your efforts stem from a love of the outdoors and a desire to make your client’s home or office building look beautiful. As you work and build your business, you know you should protect it through insurance but you may have different reasons for holding off, such as financial constraints or lack of time.

Don’t let too much time lapse before you talk to a knowledgeable broker at The Nowell Agency about landscape contractor insurance in Texas. We enjoy working with entrepreneurs and small business owners, helping you obtain the right type of insurance for your needs. If you have existing coverage, we are happy to review your plans for any gaps and provide you with options to fill them.

Know When it is Time to Buy Landscape Insurance

If you are sitting on the fence about purchasing landscape contractor’s insurance in Texas, then consider these four signs that it’s time to make a move:

1. You Lease or Rent Commercial Space: When you first start out, you may be working out of your home garage. Why not? If you start small, you don’t need much room, and your clients are probably not stopping by. When you decide it’s time to rent an office with extra space to store your tools and trucks, you’ll want a general liability policy. Let’s say a potential client visits your new premises to discuss a regular mowing and landscaping contract. Your liability coverage can help with protecting you if they have an unfortunate accident while on your location.
2. You Travel to Job Sites: Your business’s nature is to drive from one location to the next to perform your duties. In the beginning, you may use your personal pick-up truck to hustle between clients. The problem is that your regular automobile insurance isn’t likely to cover you if you were conducting commercial business. A commercial auto insurance policy is the better choice.
3. You Land a Big Contract: Who doesn’t want to land a massive account with steady work in an industry that can be feast or famine? Those more prominent clients will require proof of insurance before you begin working on their premises. Your general liability coverage should be what you need to reassure your new customer that you can pay for damages or any mistakes.
4. You Hire Your First Employee: Once you land that big client, you need help accomplishing the tasks. The responsibility of adding an employee is enormous. To protect yourself and them, you will want to buy workers’ compensation insurance. This policy covers your new team member if they suffer an injury or become ill while on the job by paying for medical bills and providing replacement income.

Grow Your Landscape Business with Confidence with The Nowell Agency’s Help

Now is the time to take control of your landscaping company and safeguard it from claims that could put you out of business. The Nowell Agency team has the experience to help answer your questions and get you the coverage you need at reasonable rates. Put our over 30 years of experience to work for you.

Call one of our offices near you to schedule a meeting with a knowledgeable and experienced broker at The Nowell Agency about obtaining landscape contractor insurance for your Texas company. You can also request a quote online.