As a landscaping contractor, you most likely work for yourself. What this means is that it's your job to make sure that you are adequately protected in every way possible. Although your physical well-being is certainly important and you also want to get some protection for your equipment, it's equally as vital for you to get liability insurance. A commercial business owner's policy could be the very thing that helps you if something occurs. Use this information to learn more about why you absolutely must get insurance coverage as soon as possible.
A Disgruntled Customer Could Cause Trouble
The main reason why you need insurance coverage is because you want to keep everything that you've built. It only takes one customer who isn't happy with your work for you to lose everything.
Understand that while it seems that landscaping is a pretty straightforward job, there could be repercussions that you haven't thought about. For example, a customer may ask you to come out and treat their lawn because they can't seem to get the grass to grow. You happily take on the challenge and do the treatments as requested. However, later on, the customer may look at their grass and notice that it's browner than before. It's at this point that they decide to file a lawsuit against you because they think that some chemical agent you used is the reason for the discoloration.
If you don't have insurance coverage and the courts find in favor of the patron, you could be forced to sell everything you have in order to cover the costs associated with the settlement. When you have insurance coverage, you won't have to worry about things of this nature because the liability portion of the policy will take care of it for you.
Insurance Covers You During Times Of Injury
Another reason why you should get a landscaper's insurance policy is because it covers you in case you happen to be injured in an accident. Landscaping is not an easy job, and there is always the chance that you'll be hurt while performing your work. If you get a policy that includes a rider for medical coverage, you could find that you'll have the financial backing to take a little time to recover in case an accident occurs.
Getting a landscaping insurance policy is a great way for you to protect your financial future. Don't wait; get one of these policies today so you can enjoy the benefits as soon as possible. To learn more about your insurance options, check out websites like http://www.olynorthwest.com.
Share