If you are a landscape business owner, then you know that there are many risks associated with the industry. From accidents on the job to property damage - there’s a whole host of things that could go wrong.
That's why it is important to have the right insurance in place to protect your business.
Landscaping and gardening are physical work that of course often require the use of power tools, ladders, and other equipment. This work can be dangerous and accidents do happen. If an employee is overexposed to pesticides, or a tree trimmer is hit by a falling branch, it could lead to costly medical bills.
Landscape workers’ comp insurance covers medical expenses from work-related injuries or illnesses and can help pay for wages while the employee is recovering.
If you are the owner of a landscaping business or a sole proprietor, you might decide to buy this coverage for yourself, as it provides financial protection against work injury claims that health insurance could deny.
Now that you know why landscape workers’ comp insurance is important, how much does it cost?
The cost of landscape workers’ comp insurance will vary depending on the size of your business, the type of work your employees do, and your company’s claims history.
For example, if you have a small landscape business with only a few employees, you might pay $500 per year for coverage. However, if you have a large landscape business with many employees doing high-risk work, you could pay $50,000 or more. It can vary greatly.
If you're looking for landscape workers’ comp insurance, be sure to speak with a dedicated insurance specialist like the experts here at Kickstand before committing to a plan.
Some states do require landscape businesses to have workers’ compensation insurance, while others do not.
For example, Connecticut requires workers’ comp insurance for all employees, even part-time workers. In contrast, North Carolina only requires landscape workers’ comp insurance if a company has three employees or more.
Check your local state laws to see if landscape workers' compensation insurance is required in your area.
Purchasing landscape workers’ comp insurance is a wise decision for any business, but especially for those in the landscaping and gardening industry. Your employees are your most valuable asset, and protecting them should be a top priority.
Kickstand Insurance offers quick, painless, and simple workers’ comp insurance quotes for landscaping and gardening businesses. Simply fill out our easy online form and we'll get you a landscape workers’ comp insurance quote within minutes.
You can also purchase landscape workers’ comp insurance if you are an independent contractor, sole proprietor, or partner. This type of policy protects you in the event of an injury while on the job.