Do Part-time or Seasonal Landscapers Need Business Insurance?

Business opportunities in landscaping can ebb and flow depending on various circumstances, including the time of year. Many homeowners may be more interested in employing your services during the spring and summer, with fewer jobs available during the winter. The industry’s inherent inconsistency can enable many companies to use a part-time or seasonal approach toward operations. However, this choice may complicate insurance.

Do I Need Insurance?

Yes, regardless of whether you operate year-round as a landscaper or only work during certain parts of the year, you’ll need to make sure you have at least some level of business insurance. Many clients and customers may hesitate or decline to do business with your company unless you have certain levels of coverage. Additionally, certain policies, such as workers’ compensation and commercial auto, may be required by law.

Can I Get Seasonal Insurance?

If your landscaping company is shuttered for part of the year, it may be tempting to discontinue your insurance while dormant. However, this can be a complex topic that requires doing your due diligence. While seasonal or temporary business insurance policies are often available, they may not always end up saving you money in the long run. The idea of canceling policies you don’t need while your business is inactive can seem like a savings opportunity, but carriers often consider businesses with coverage gaps to be riskier. As such, you may be quoted higher rates upon trying to resume or replace policies.

What Types of Insurance Do Part-time and Seasonal Landscapers Need?

Regardless of how you choose to approach your coverage needs throughout the year, you should make sure you have a suitable combination of policies capable of addressing relevant risks and exposures. For those in the landscaping industry, the following types of insurance are often essential:

• Professional liability insurance

• Workers’ compensation insurance

• General liability insurance 

• Commercial property insurance

• Inland marine insurance

• Commercial auto insurance

• Business interruption insurance

• Equipment breakdown insurance

• Commercial umbrella insurance

Get the Right Coverage

Contact Fast Insurance today to learn more about landscapers’ coverage options and secure an appropriate business insurance package.

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.