Landscaping Insurance Illinois (Quotes, Cost & Coverage)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Landscaping Insurance Illinois
Landscaping Insurance Illinois. Landscaping is a lucrative business, and its value goes beyond just giving home or business owners better views. Studies indicate that good landscaping improves air quality, protects water quality, and can even lower the crime rate in the neighborhood. Smart Money Magazine recently published a study showing that homebuyers place the value of a well-landscaped property at more than 11 percent over its asking price. Landscaping investments tend to be recouped when a seller sells his home, and homes with good landscaping tend to sell faster.
Landscape contractors design, install, and maintain outdoor spaces, combining plants and architectural features in a manner attractive to customers. Services offered may include installation of sod for a lawn, planting of trees, bushes, shrubs, flowers, and other plants, or the installation of retaining walls, fountains, walkways, or other architectural enhancements.
Some landscape contractors will change the contours of the grounds, while others will limit their work to planting new or maintaining existing lawns and plants. Additional operations may include installation or winterization of underground sprinkler systems, tree trimming, nurseries or lawn and garden shops.
If you own a landscaping company in IL or are a landscaper, you have many of the same concerns in regards to liability that other businesses do. Protecting your business from risks is part of being a smart business owner, since even landscapers can run into problems and find themselves on the receiving end of a lawsuit or claim. By choosing landscaping insurance Illinois, you can provide your landscaping business with a safety net that keeps your business up and running, even if you face claims arising from property damage, ideuries, or accidents.
Landscaping insurance Illinois protects your business from lawsuits with rates as low as $77/mo. Get a fast quote and your certificate of insurance now.
Coverage Types Landscaping Businesses Should Consider
There are a few coverage types that all landscaping businesses should consider, including general liability insurance, business owners insurance, worker's compensation insurance, and commercial vehicle insurance.
General liability insurance for Illinois landscapers and lawn care professionals provides coverage for property damage, including any damage to customers' property that you or your employees cause. Landscaping insurance Illinois also provides bodily injury coverage to cover bodily injury or death that arises to a third party as a result of your actions or those of your employees. It may also provide products/completed operations coverage that covers completed work performed by your company or products sold by your company. Finally, it may cover ideuries caused by advertising, such as when your IL business' advertising harms another person's reputation. This type of coverage is needed to protect your business from false claims, libel, and slander.
Business Owners Landscaping Insurance Illinois
Small landscaping businesses with revenue of less than $5 million often purchase business owners' policies, sometimes referred to by the acronym BOP. A BOP policy is structured for IL landscaper businesses with fewer than 100 employees, and it usually includes several types of coverages under one umbrella. Business owners retain the ability to purchase added coverage if desired.
Usually, the basic coverages provided under a landscaping insurance Illinois BOP policy include property damage insurance to cover office space, store space, garages, warehouses, and other buildings owned or leased by the business. The addition of a rider for equipment and tools may be necessary. Because landscapers often use expensive specialized equipment, standard coverage for equipment may not be sufficient. Owners should purchase as much insurance as they need to cover the cost of replacing expensive mowers and other landscaping essentials.
The landscaping insurance Illinois policy also usually covers business income loss. If the business shuts down because of an event that is covered by the policy, the business is protected from loss of income and operating costs.
Equipment breakdown coverage usually comes with a standard BOP policy. This protection covers equipment failure due to mechanical malfunctions, power surges, and operator mistakes.
For landscapers structured as sole proprietorships where there are no employees in the business, not all of these coverage types may be necessary. Some sole proprietorships are sufficiently covered with just a general liability policy in force. A seasoned GeneralLiabilityInsure.com insurance agent can help business owners understand their needs and find policies to suit their preferences and risk tolerance levels.
Workers' Compensation Insurance and Landscaping Businesses In IL
One important part of owning a business and hiring employees is complying with worker's compensation laws. You must generally purchase this type of insurance for workers on your payroll. It protects them from loss due to work-related illness, injury, or death.
Illinois requires worker's compensation for all employees that are not the landscaping business owners. Worker's compensation can help pay for medical expenses related to the injury or illness caused on the job.
Commercial Vehicle Insurance and Landscaping Businesses IL
Landscapers tend to spend a significant amount of time in their vehicles traveling between client jobs. Anytime you drive in relation to carrying out job functions, you are at risk and your business is at risk. Commercial vehicle landscaping insurance Illinois coverage is necessary for landscapers, and those that rely on personal auto policies to provide coverage may find themselves coming up short in the event of a claim or lawsuit. IL landscapers should make sure that any vehicles used for business are insured under a commercial policy.
Research the options that are available for your business prior to making your final landscaping insurance Illinois purchase.
IL Landscapers Risks & Exposures
Property exposures may be limited to an office and a storage yard for vehicles or equipment. Property exposures may include the use or sale of live and growing plants, shrubs, bushes, trees, or flowers. These may grow outside in a yard or in a structure such as a greenhouse. Both the structure and the growing stock are susceptible to damage by fire, wind, hail, and vandalism. The stock is also vulnerable to loss by frost and animals or insects.
Specialty coverages designed specifically for growing stock may be needed. Older greenhouses may be subject to frequent glass breakage since they are typically made with the lowest grade of plate glass. Newer greenhouses are simply frames with plastic coverings which need frequent replacement as they tend to yellow or cloud in the weather and block out sunlight needed by plants. There may be backup systems or generators employed to prevent freezing or other temperature losses. Fire hazards can be high from the flammables used in the repair of vehicles or equipment, such as solvents and degreasers, and the chemicals in fertilizers and insecticides. These must all be well controlled, labeled, and separated with proper storage in the appropriate containers and storage facilities.
Premises liability exposures can be light at the landscaper's own premises if there is no public access. If there is a nursery, the exposure increases as customers may slip or fall on wet flooring or dirt or trip over equipment. Plants and equipment stored in the open can present an attractive nuisance. At job sites, hazards include injury or damage from stones or other debris thrown by power mowers, trimmers, and other equipment.
Tree trimming may result in falling tools, branches or debris that may injure persons, damage vehicles or other property, or fall onto power or communication lines. Use of chain saws on trunks or limbs and the use of chippers for disposal may result in flying debris that can cause serious bodily injury. The areas of operation should be restricted by barriers and proper signage to protect the public from slips and falls from spills and equipment and supplies impeding access.
The application of lawn chemicals presents both a premises and completed operations hazard that could result in serious long-term injury, illness, or disease to customers and passersby. Overspray from operations could result in small but frequent property damage losses. Contractors who do not obtain and keep proper licensing and certification for chemical applications create a serious liability exposure to themselves.
Inland marine exposure includes accounts receivable if the landscaper offers credit to customers, contractors' equipment, goods in transit, and valuable papers and records for customers' and suppliers' information. Equipment may include mowers, sprayers, cherry pickers for tree trimming and trenchers for underground work. Goods in transit may be damaged by fire, collision or overturn. While the transport of fully grown trees for planting is rare, the stock may be of high value. Vehicles containing stock should be attended at all times.
Crime exposures are from employee dishonesty. Background checks, including criminal histories, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site.
Environmental impairment exposure is significant. The application of chemicals can result in damage to air, soil, or groundwater. The landscaper must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products. Employees who handle chemicals must have the appropriate licenses and certifications individually.
Business auto exposures can be very limited if the service is maintenance only and does not supply plants. If plants and large trees are transported, the exposure increases due to the possibility of the load being involved in a collision or overturn. Vehicles may be custom designed with specialty equipment, such as lifts, cherry pickers, and tree planting or removal equipment.
Drivers should be aware of and be able to perform cleanup procedures in the event of a collision or vehicle overturn. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
Workers compensation exposures are high due to the operation of machinery and equipment, work at heights, work on uneven ground, and exposure to underground or above ground cables and lines. Use of power-cutting equipment can result in cuts and possible amputations. Back injuries, hernias, sprains, and strains can result from lifting. Chemical applications may cause lung problems along with allergic reactions and other more serious complications. Casual labor, seasonal workforce, and high turnover present a significant loss control challenge.
Insurance Classification Of Landscaping Services
Insurers classify landscaping businesses using several coding systems. You can wind up paying more for your insurance if your landscping company is not properly classified - like a landscaper that plans gardens only being coded as a tree trimmer. Below are the most commonly used coding systems for landscaper insurance:
- ISO General Liability Codes: 97047, 97050
- NAICS CODES: 541320 Landscape Architectural Services, 561730 Landscaping Services
- SIC CODE: 0781 Landscape Counseling and Planning: Establishments primarily engaged in landscape planning and in performing landscape, architectural and counseling services. Garden planning, Horticultural advisory or counseling services, Landscape architects, Landscape counseling & Landscape planning.
- Suggested Workers Compensation Codes: 0042, 9102, 0106
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