Here in Calgary, where winter can last for what seems like eight months of the year, we truly value our beautiful greenery when it finally makes an appearance in spring and love to get outdoors and enjoy it. As a landscaper, you provide valuable services that allow us to do just that—but your work also exposes you to certain risks that could result in major financial losses and setbacks to your business success. The knowledgeable brokers at Krywolt Insurance can help you get the protection you need with the best Calgary landscaper insurance policy to address your specific risk exposures and unique insurance requirements.
Anyone who works in the broader landscaping industry should have the security and protection against financial losses that come with comprehensive Calgary landscaper insurance. That includes professions and job types such as:
In Canada, most types of business insurance (including landscapers insurance) are not legally mandatory, with the exception of commercial auto insurance since, as we all know, you can't drive a vehicle that isn't insured. But just because you aren't required by the government to have liability and commercial property coverage, that doesn't mean you don't need it to work effectively and grow your business success. Many clients will refuse to hire you if you can't provide proof of insurance, which means you'll be forced to leave plenty of contracts on the table to be scooped up by another landscaping service provider.
As standard business insurance building blocks, commercial general liability insurance will generally cover you for costs related to causing third-party bodily injury or property damage, and commercial property insurance will cover perils such as fire or theft, but there are other risks that should be considered as well. Do you ever experience delays or accidents that could prevent you from fulfilling your contractual obligations? Do you use expensive machinery and need to consider equipment breakdown insurance? What about goods in transit? Do you haul materials to and from sites? Give us a call so we can learn more about your landscaping company, assess your risks and provide a comprehensive Calgary landscaper insurance solution for you. Here are some of the types of insurance that are well work considering to protect your landscaping business against loss.
You may have a specialized commercial vehicle that you use solely for work, and of course, it stands to reason that it would need to be covered by a commercial auto policy. But many landscapers simply throw their tools in the back of a personal vehicle, such as a pick-up truck, and head out for a day of work, assuming their existing personal vehicle insurance policy fully covers them. That's not the case, however. When your vehicle is being used for non-work purposes, like dropping your kids off at school or heading out to the mountains for the weekend, it's covered by your regular auto insurance. But when it's being used for work purposes, such as transporting tools and materials to a job site, you must have a commercial auto insurance policy as part of your Calgary landscaper insurance for it to be covered. If you are involved in a collision while using your vehicle for work purposes and don't have commercial vehicle insurance, you will not be covered.
This is one of the most basic types of business insurance coverage, but it's also one of the most necessary. Regardless of how cautious you are and how much care you take to follow every safety rule and adhere to all the best practices, there's still the potential for something to go wrong that causes injury or damage. A CGL policy gives you financial protection against costs related to an incident where you or your employees are accused of causing third-party bodily injury or third-party property damage. For example, if you drove a rider-mower too close to a retaining wall and the weight of the machine caused a partial collapse, your commercial general liability would cover the cost of the repair and the cost of litigation should the property owner bring legal action against you for causing serious damage.
While there are some landscaping tasks you can accomplish with just your two hands and a good dose of elbow grease, there are also some tasks that simply can't be done without the help of the right equipment and tools. That means if your tools and equipment are damaged, destroyed, or stolen, you can't do your work until they've been repaired or replaced. But some of your tools and equipment are likely on the costly side, and you may not have the funds available to deal with that immediately and get back to work. That's where tool and equipment coverage comes in. With a tool and equipment insurance floater added to your Calgary landscapers insurance, your insurance company will provide you with funds to handle repair or replacement costs up to the coverage limits on your policy. Wondering what the difference is between tools and equipment? That can vary according to the insurance provider, but generally speaking, tools cost less than $1,500, and equipment costs more.
If you work with toxic substances such as chemical weed killers, the potential exists for a polluting event to take place. For example, you could be trying to hook a sprayer up to a large container of weed killer or pesticide and accidentally tip it over, killing bushes, flowers, and grass but also contaminating the soil underneath. In a situation like that, the property owner could choose to bring legal action against you to recover clean-up costs, and you could also be fined for causing environmental damage. If your Calgary landscaper insurance policy includes pollution liability coverage, you can get insurance compensation to handle the cost of litigation, settlement, and fines up to your coverage limit.
Don't let the name fool you—inland marine insurance has nothing to do with water. This type of coverage is a recommended addition to Calgary landscaper insurance for anyone who has to transport costly equipment and tools from place to place. That applies to most landscapers since, of course, you have to perform your work at your clients' properties. If your tools and equipment are damaged, destroyed, vandalized, or stolen while in transit from one place to another, inland marine coverage on your Calgary landscaper insurance provides you with the funds necessary to repair or replace them. For example, say you loaded all your hand tools into the back of your truck to head to another job site and decided to stop off at your favourite coffee place on the way—but while inside the cafe, your tools are stolen out of your truck. Since they were taken during transit, they would be covered by your inland marine insurance.
There are a number of important factors that go into determining the cost of Calgary landscaper insurance, so it is going to be a bit different for each policyholder based on those factors. Some of the things that your insurance provider will consider when coming up with an affordable quote include:
To find out more about what you can expect to pay for Calgary landscaper insurance, give our experienced brokers at Krywolt Insurance a call and let us know more about how you run your business. When we have more information about your risk exposures and insurance needs, we'll track down the best options for you and deliver a quote so you can make an informed decision about what's best for your livelihood.
If you, the business owner, have employees who work at your landscaping business, they can be covered by your landscaping business insurance. The best course of action to make sure you and your workers have the necessary comprehensive Calgary landscaper insurance is to contact your broker at Krywolt Insurance about adding them as a "named insured." When an employee joins or leaves your company, you can have them added or removed as necessary so they are eligible for the same coverage that you receive from your landscapers insurance.
That's easy—contact the reliable, experienced insurance brokers at Krywolt Insurance by calling 403-879-8660 today! We'll be pleased with the opportunity to discuss your requirements for Calgary landscaper insurance.
Once we know more about what you need to be covered against all the perils you are most likely to encounter in your professional life, we'll search all the options to find the ones that suit your unique needs best.