Insurance for lawn care services
Markel Specialty offers specific types of coverage just for the lawn care business.
Only lawn care insurance can offer you the kinds of coverage your business needs.
Commercial general liability protects against unforeseen claims and lawsuits. It pays settlements, awards, and the legal cost to defend you, your organization, and your employees. It protects your operation’s reputation which is especially important if a lawsuit is brought against you.
Professional liability coverage for your employees is included at no additional cost with your commercial general liability insurance.
Covers losses that may exceed your policy limits. Catastrophic losses such as death, a major chemical spill, an injured worker or an auto accident can result in awards that are greater than the typical policy limit. Excess liability with pollution coverage is also available with limits up to $10 million.
Commercial property insurance covers your property – buildings, sheds, offices. Enhancements you can add on include small tools and equipment coverage, and more.
Coverage is invaluable if your business is temporarily closed due to a covered loss. This insurance covers your lost income and continuing expenses during the “period of restoration.” With this important coverage, your lawn care operation can receive the revenues it would have earned had there been no loss.
A workers compensation policy covers expenses resulting from on-the-job injuries including:
- Lost wages and benefits
- Medical care and rehabilitation services
- Legal representation and compliance services
Available in select states. Check availability with your agent.
Covers damage to your client’s property or injuries to your client after your job has been completed.
Personal and advertising injury
Covers lawsuits resulting from advertisements you’ve placed to promote your business (I.E. libel, slander, invasion of privacy, copyright infringement, and misappropriation of advertising ideas).
Care, custody and control
Covers damage to your client’s property that is in your care, custody or control.
Covers lawsuits arising from damages you assumed responsibility for in a contract.
Covers you if someone (other than you or your employees) is injured on your client’s property due to an unsafe condition caused by your operations.
Reimburses others for medical expenses they incurred from bodily injury or death caused by you, regardless of whether or not you were actually at fault.
Fire legal liability
Covers fire damage caused by your business operations.
Covers misapplication of herbicide/pesticides.
- Limits $2 million per occurrence/$4 million aggregate
- Products completed operations limits $2 million per occurrence/$4 million aggregate pesticide/herbicide coverage at policy limits