Landscaping: Is Insurance Necessary?

There are some jobs out there that are both very challenging and rewarding at the same time. For handymen, one such job is landscaping. There’s plenty of work involved, but the result certainly speaks for itself and many individuals who landscape for a living will tell you that it’s a very gratifying experience. Unfortunately, when it comes to the world of professional landscaping things just aren’t that simple. It doesn’t just take tools and talent to get the job done. Sometimes, a good deal of risk management is involved as well.

This brings us to the topic of quality landscaping insurance. Many contractors just want to get the work done, so they often ask whether or not this type of insurance is really necessary. Is it considered optional when it comes to a very specific line of work such as landscaping? As a rule of thumb, where there is risk in professional services, then there is insurance. It keeps those under its umbrella safe from certain situations that could arise.

Landscaping is a high-risk venture

While this is common sense to anyone who has experience in the matter, landscaping is certainly nothing to scoff at. There’s a lot of work involved, and also a lot of risk – and not just from bodily harm. Some of the other risks come from unhappy customers, or even from your competition. You can be as careful as you possibly can and follow everything to the letter, but simply due to the fact that you don’t have the right kind of insurance, you’re putting yourself at an enormous amount of risk. As a matter of fact, most places won’t even avail of your excellent service by tree expert Fresno if they see that you don’t have any coverage.

The necessity of insurance in landscaping is obvious

Even if you don’t have too much of a budget to include insurance, you need at least the most important one, which is General Liability. This type of insurance is sure to protect you from most of the unforeseen events that could arise while you conduct business. From third-party lawsuits to issues with your own competitors, all of these are covered and will save you a lot of heartache – as well as cash.

There are those who might think that insurance is a waste of money, but the true waste is to conduct business without being insured. You always run the risk of something going wrong, and the consequences could be enough to ruin your career in landscaping.

Maintaining a healthy business is all about proper risk management. One of the best ways to do so is by giving yourself proper coverage and buying insurance. In this day and age, lawsuits are a dime a dozen, which is why most employers opt for insured independent contractors.