Understanding Landscaping Insurance



Every single day, each of us faces a risk as we go about our daily activities. These risks might be small, while some could threaten our very existence. It is the latter that tends to stare in the faces of landscapers every single day. What we are talking about is the inevitability of accidents.

Because of the nature of their work, landscapers have to deal with the possibility of a number of accidents happening to them. These accidents could come either in the form of personal injuries, or could present itself in the form of property damage. Having said that, the probability of lawsuit and damage claims can really give one a headache, especially if you do not have a landscaping insurance in place.


In most cases, an insurance broker would be able to provide you with a comprehensive landscaping insurance that covers majority of the risks associated with your work as a landscaper. These insurance plans typically include general liability insurance as well as worker’s compensation insurance. Keep in mind that this coverage usually differs from one insurance company to another. There are some companies that, aside from the two, also offer landscape vehicle insurance, although this is something that is not common to majority of the insurance companies and typically covers only trailers being used in transporting the employees. Some also provide environmental and pollution insurance especially if they would be using chemicals in treating the landscape.

General liability insurance is a necessity in any type of business. This kind of insurance coverage can help a business owner cover expenses incurred in connection with injuries that his or her employees have suffered while performing their work. In most cases, a general liability insurance is offered as a stand-alone policy. There are some insurance companies, however, who offer it as part of the Business Owner’s Policy although, in the case of the latter, the coverage tends to be quite lower compared to when it is offered as the former. In that case, you might need to purchase a separate coverage. Companies that are considered to be high risks usually have to get also what is known as excess, or umbrella, insurance. The insurance broker usually handles claims so there is not much to worry about.

Worker’s Compensation, on the other hand, is a type of insurance coverage that provides the injured employee with replacement wages as well as medical benefits. In turn, the employer is basically relieved of any tort of negligence. Depending on the state, payment terms can vary from weekly to monthly. There are also worker’s compensation programs that cover even illnesses incurred while on the line of duty. You have to remember, however, that, in Australia, there is an existing threshold of 11% Whole Person Impairment in place.

Now, you have to keep in mind this kind of insurance is not strictly for landscapers alone. It is also something that should be in place for those working as tree trimmers, landscape architects, landscape designers, and lawn irrigation contractors, to name a few.

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Are you engaged in any business or you are an end-user who derives income from employment. If you are the former, then you might have already ascertained that what comes with a good profit in any business is the risk of loss. There are many kinds of losses that one may experience while engaging in business. These losses may come in the form of damage to business property, loss of opportunity, loss from robbery or theft and even due to fortuitous events. While loss may be something that is inevitable, there are things that you can resort to, which can help secure your business and in case loss occurs, the blow will be softened and you will not feel the gravity of it all.

So what can you do?

One of the tried and tested ways to protect your business is to apply for a business insurance. This term denotes giving your business the due protection against possible losses that may arise out of business operations.

A business insurance may vary. In fact, there is insurance that is available that will cater to the particular type of business that you have. For instance, if you have a farm and you own large tracts of land, then a farm insurance is the perfect one for you. If you have a restaurant and you would like to cover possible losses from fire, larceny, theft, food poisoning and many more, then a restaurant insurance will be the best. There is basically insurance that will cover your particular business.


ISR VS. Defined Perils

Another thing that you have to take note is the insurance that is for commercial properties. There are basically two types of cover when it comes to commercial properties. The first one is the Industrial Special Risks, while the other is the Defined Perils policy. The former is more comprehensive compared to the latter considering that it can cover any type of loss or damage to your property. It can even cover business interruptions that may arise except for those that have been expressly excluded in the cover. The Defined Perils on the other hand, as the name suggests, will cover only those that were specifically defined in the policy. If your business suffers from a loss that is not included in the policy, then you will not be covered and you would have to be the one to spend for losses from such events. This can be painful, most especially if in a stroke of fate, the loss arose out of something that was not covered. This is also one of the main reasons why many opt for the ISR over the Defined Perils.

In terms of cover, it is really better for your business to opt for ISR, considering that it can cover a wide range of losses. Of course, with a more comprehensive cover, you may also expect a much higher premium, but you get to be secured in terms of the scope of cover. And, in case some untoward incidents may arise, your insurance will certainly protect you.

The world of personal healthcare and beauty has grown exponentially over the past decades. The levels of stress have grown in the same proportion because of the frenetic pace of living in today’s world. Although medicine has made equally astounding strides in the treatment of both terminal and non-terminal diseases, people still succumb to their illnesses because of their states of mind and body. People have become more aware of the need to look after themselves through improved living and eating habits. This has made their need for health spas, sports clubs, dance studios, martial arts studios, beauty spas and tanning establishments, among many others, increase over time. In equal proportion is the need for these establishments to acquire special fitness insurance to protect them from disgruntled clients.

Much like beauty therapy insurance, this kind of insurance is necessary for any business in the personal care industry because of the risks involved in dealing with many different people from all walks of life. The risks are much higher here because people look for these kinds of services because they feel they are deficient in some area of their body and are hoping that their personal advisers have the miracle cure. Many of their states of mind are very fragile and this can lead to a lot of negative consequences. In the fitness industry, since people who seek fitness solutions are unfit themselves, the chances of getting accidents while using the equipment are very high. The chance also of expecting results in the short run are also higher and this can lead to unrealistic expectations which if not met, can result into legal action for supposed breach of contract.

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In many fitness centers the training equipment is quite complex to use. This means that, a person wishing to use it must follow their trainer’s instructions to the letter. Unfortunately, when a person is eager for results they tend to become over enthusiastic for results and this can lead to mishandling of the equipment. This can lead to unwanted accidents like falls, breakage of limbs, muscular injuries, damage to internal organs and other bodily complications from overextending the body. Usually damages to cover personal care injuries are very high and involve footing medical costs, loss of income, recovery costs and other unforeseen expenses. These costs together with their accompanying legal expenses can drive a business under in a very short time,

Without the necessary insurance coverage a business becomes very risky for its owners and other important stakeholders. To keep peace of mind before, during and after operations for all concerned, it is best to have suitable and adequate protection to cover all possible risks whether foreseen or otherwise. If not, Murphy’s Law will almost always come into quick effect. This common sense law simply states that, whatever can go wrong will probably go wrong. Knowing this, any business owner should take heed and do the right thing by their business and the people that it serves.