​How to Get Insurance for a Landscaping Business

Establishing a landscaping business in Rhode Island requires attention to insurance coverage to protect your enterprise from potential risks and comply with state regulations.

Types of Insurance You May Need for Your Landscaping Business

Talk to your agent about the following types of coverage:

• General liability insurance—This policy can safeguard your business financially against third-party claims of bodily injury or property damage.

• Workers’ compensation insurance—Rhode Island law requires that a business with one or more employees, whether full- or part-time, carry workers’ compensation insurance.

• Commercial auto insurance—Rhode Island requires businesses to have commercial auto insurance if it owns vehicles used for transporting equipment or traveling to jobsites.

• Pollution liability insurance—This insurance addresses claims about environmental contamination or pollution from your operations.

• Business owners policy (BOP)—This policy may financially protect your physical assets, such as office space, equipment and tools, against risks such as fire, theft or vandalism.

• Inland marine insurance—This policy covers tools and equipment in transit to and from jobsites.

Steps for Obtaining Insurance for This Type Business

Take the following steps to obtain the appropriate coverage:

• Assess your risks. Evaluate the specific services you offer and identify potential liabilities.​

• Consult with licensed insurance agents. Talk to agents familiar with Rhode Island’s regulations and the landscaping industry to obtain tailored advice.​

• Compare quotes. Obtain multiple quotes to ensure the best price and coverage.​

• Review policies carefully. Understand each policy’s terms, conditions and exclusions before making a decision.

By securing the appropriate insurance coverage, you can comply with state laws and protect your landscaping business from unforeseen events, helping maintain its longevity and success. Contact Cormack-Routhier Agency, Inc. to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.