Landscaper Insurance

Commercial General Liability Insurance

Commercial General Liability Insurance covers claims or accusations of third-party bodily injury and third-party property damage caused by your business activities. It will pay for claims if there is a lawsuit against you, up to the limit of your coverage. It will also cover the cost of settling a claim.

Tools and Equipment Insurance

Tools and Equipment Insurance offers protection for your business’s transportable tools and equipment, including hand tools, safety gear, and heavy equipment, if damaged by fire, water, natural disasters, vandalism, or theft.

Equipment Breakdown Insurance

Equipment Breakdown Insurance protects you if your tools or machinery, such as mowers, trimmers, or excavators, unexpectedly break down. It helps cover the costs of repairing or replacing the equipment, minimizing downtime.

Pollution Liability Insurance

Heavy equipment, company vehicles, fertilizers, and pesticides can all potentially cause environmental damage, injuries to others, and property damage. Pollution Liability Insurance can cover the costs if you’re presented with a pollution-related claim, whether it happens immediately or later on after the job is done. It also covers civil fines and cleanup costs.

Commercial Property Insurance

If you own or rent an office, warehouse, or work from home for your landscaping business, you should have commercial property insurance. This insurance covers damage and loss to your property and business items caused by fire, water, natural disasters, vandalism, and theft. It helps pay to repair or replace your building and office contents, including electronics, tools, equipment, and inventory, as well as the exterior fixtures.

Business Interruption Insurance

Business Interruption Insurance protects business owners when operations are unexpectedly disrupted by a covered peril, such as a flood, earthquake, fire, or windstorm. It also covers you if you need to temporarily shut down your business. Plus, if you need to keep running your business while rebuilding after a disaster, Business Interruption Coverage will pay for lost income and extra costs.

Commercial Auto Insurance

As personal auto insurance does not cover a vehicle being used for business-related purposes, you must have Commercial Auto Insurance for all business vehicles. It protects your commercial vehicles, such as cars, trucks, vans, and any trailers you use to transport any heavy equipment to a job site.

It also protects your business if your vehicle is involved in a collision, stolen, vandalized, or damaged by providing money to repair or replace it. Additionally, a commercial auto insurance policy covers medical expenses and damage to other people’s property.

Who needs landscaping insurance?

Landscaping insurance is needed by anyone in the landscaping industry, including:

• Landscape gardeners
• Horticulture specialists
• Lawn care technicians
• Landscape technicians
• Landscaping contractors
• Groundskeepers or caretakers
• Tree pruning and removal specialists
• Excavators and graders
• Hardscape designers and installers

Whether landscaping companies are looking for a better insurance policy, need information about their upcoming policy renewal, or want to save money, it’s important to understand how landscaper insurance works

At Oracle RMS, we guide our customers through every step, even after they’ve bought their policy. Each customer will be assigned a licensed broker who will cater to their needs using our connections with many insurance companies. Oracle RMS provides the following landscaping insurance services:

• A customized insurance policy that fits our customers’ needs and budget instead of a generic policy
• The best coverage and rates for any business, whether small or multi-location
• Coverage for multiple vehicles, whether new or old
• Friendly and effective customer service from our dedicated brokers and representatives
• Peace of mind throughout the process, from quotes to renewals and claims

At Oracle RMS, we’ll educate you on how to properly disclose your operations and protect you in the event of a lawsuit. Alleviate your worry by letting us help you create a package to protect your business.

• Learn more about our Yardworks Package for landscaping businesses
• If you’re a landscaper who also operates a snow removal business during the winter months, find out more about snow removal insurance

FAQs

How much does landscaping insurance cost in Ontario?

The cost of landscaping insurance in Ontario varies. It depends on factors like the size of your business, the services you offer, and the amount of coverage you need. On average, it can range from a few hundred to a few thousand dollars per year. It’s best to get a few quotes from insurance providers or brokers to find out the exact cost for your business.

What is landscaping coverage?

Landscaping coverage is insurance that protects your landscaping business from various risks. It typically includes coverage for things like property damage, injuries to others, equipment breakdown, and theft. This insurance helps ensure your business can handle unexpected events without major financial losses.

The Right Coverage For You

At The Best Price

“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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