Landscaping Insurance in New Hampshire
Given how short the landscaping season is in NH, you need to be sure that you can work as much as possible. You rely on your tools and business operations to run smoothly during this short-window as as any time lost can seriously impact your bottom line. A key piece to your success is protecting your business with NH Landscaping Insurance.
What is Landscaping Insurance?
Landscapers have a lot invested in their businesses, and the financial and time investments they’ve made into their businesses ought to be protected. Landscaping insurance helps safeguard landscaping businesses in New Hampshire from a range of potential risks.
Landscaping insurance policies are specialized commercial policies that have been designed to meet the unique coverage needs of landscaping businesses. Most policies are written as package policies that include multiple coverages, and businesses can frequently adjust the coverages included to suit their particular situation.
What Businesses in New Hampshire Need Landscaper Insurance Policies?
Most New Hampshire businesses that provide lawn care and/or landscaping services ought to have a landscaper insurance policy in place. This includes a range of businesses, from sole proprietors who mow residential lawns to statewide landscaping service providers that serve both residential and commercial accounts. Without insurance, businesses of almost any size could suffer devastating losses if something happened.
What Coverages Do Landscaper Insurance Policies Provide?
As mentioned, most landscaper insurance policies include several coverages. Some of the coverages that a policy might make available as a standard or optional protection include:
General Liability Coverage, which might cover common accidents and certain liability lawsuits
Product Liability Coverage, which might cover injuries and damage caused by products administered by a business
Pollution Liability Coverage, which might cover environmental contamination caused by products that a business uses
Tools and Small Item Coverage can be protected with a scheduled tool coverage that lists your small implements, such as trimmers, edgers, and sheers. Your policy shows a specific value for each item. Blanket tool coverage provides a single lump sum of coverage for a group of small tools.
Errors and Omissions Coverage, which might cover mistaken advice that a business or employees give
Commercial Property Coverage, which might cover property that a business owns
Inland Marine Coverage, which might cover equipment while it’s in transit between locations
Commercial Auto Coverage, which might cover vehicles owned by a business
Businesses that want help selecting coverages for their situation should speak with one of our experienced insurance agents who specializes in landscaper insurance. HPM Insurance has been protecting landscapers for generations and are familiar with the risks that landscaping businesses commonly face.
Do Landscaper Policies Include Workers Compensation?
Even though many landscaping businesses have employees and need workers compensation insurance, this coverage is purchased separately from a landscaper policy. We can also help you understand the particulars of workers compensation on your landscaping business, whether you are a sole proprietor or a large landscaping business.
Can Landscaping Businesses Cancel Their Landscaper Coverage During Winter?
Completely canceling a landscaper policy during the winter months generally isn’t advised, for it can have a couple of negative consequences.
First, canceling coverage can leave business equipment unprotected while it’s in storage. Should equipment be damaged, vandalized or stolen, repairing or replacing it can be expensive if there’s no insurance policy in place.
Second, not having coverage in place may create a coverage gap. Gaps are one factor that insurance companies sometimes consider when setting premiums, and having a gap in a business’ coverage history could lead to increased rates in the future. In some cases, the cost of higher rates outweighs the potential savings that canceling coverage would provide.
Rather than canceling coverage outright during winter, businesses can adjust their coverages for winter. As a knowledgeable insurance agency, we can recommend coverage adjustments that lower premiums during the winter season, yet don’t leave a business unnecessarily posed to risk or with a true gap in coverage.
How Can Businesses in New Hampshire Get Landscaping Insurance?
For help finding landscaping insurance that’ll meet your business’ needs, contact the independent insurance agents at HPM Insurance. Since our agents are independent, they can show you policies from multiple insurance companies in New Hampshire and help you select whatever one best fits your business’ unique situation.