Insurance for lawn care professionals

Markel Specialty offers coverage specifically designed for lawn care professionals

Customizable policies that can fit your company and your needs.

Your business is all about growing healthy lawns and landscapes. But if you want to help your business bloom with healthy growth, you need insurance coverage specifically created for professional lawn care and landscaping companies.

Markel Specialty offers a wide-range of coverages designed for the following types of lawn and landscape businesses:

• Lawn care and maintenance
• Sod and turf installation
• Pesticide and herbicide application
• Tree, shrub, plant installation

Why do I need insurance for my lawn care business?

You've probably spent more than one sleepless night thinking about the many ways your business could get sued. If you misapply chemicals, damage your client’s property while mowing, or get in an accident with your truck that causes toxic liquids to spill, you could be responsible for paying these out of your own pocket if you don't have the proper insurance.

That’s why you need insurance for lawn care professionals from Markel Specialty. Our policies are specifically written for lawn care professionals by people with experience working with others in your field. Together, we can design a policy that is suited to your business needs.

Don’t put your lawn care or landscape business at risk. Contact one of our appointed agents to get your quote today.

What can insurance for lawn care professionals cover?

Lawn care insurance can help you protect yourself and your business if something goes wrong. Markel Specialty can help you cover your property, tools and equipment, general liability, professional liability, excess liability, plus many other coverages specific to your business that you never thought about.

General liability
Commercial general liability insurance coverage is for unforeseen claims and lawsuits. It can cover settlements, awards, and the legal cost to defend you, your organization, and your employees.

Professional liability
Professional liability coverage for your employees is included at no additional cost with your commercial general liability insurance.

Excess liability
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.

Property
Commercial property insurance covers your property – buildings, sheds, offices. Enhancements you can add to this coverages include small tools and equipment coverage, and more.

Business income
This type of 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

Completed operations
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.

Contractual liability
Covers lawsuits arising from damages you assumed responsibility for in a contract.

Premises liability
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.

Medical payments
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.

Herbicide/pesticide application
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