by Drew Roberts, CPCU, ARM
Businesses of all types purchase general liability insurance for covering the premises and operations liability loss exposures and products and completed operations liability loss exposures faced by their business. Because general liability insurance covers a wide range of liability loss exposures faced by most organizations, it is the foundation for most organizations’ liability insurance programs. This is very true for landscaping businesses as well.
Most general liability insurance policies are based off of a standard occurrence coverage form designed by the Insurance Service Office, but many insurance carriers make changes to the policy wording, so it is very important to read your actual policy for coverage terms and conditions. These policies have three coverage sections:
Coverage A – Bodily Injury and Property Damage Liability
Coverage B – Personal and Advertising Injury Liability
Coverage C – Medical Payments
Most claims fall under the Coverage A section of the general liability policy and I will go into more depth at a later time about the practical ways that this coverage applies to landscapers.
In addition to general liability insurance, other insurance policies can be used to cover liability loss exposures. An umbrella liability policy or excess liability policy will increase the limits over a general liability policy and can increase the limits of other coverages as well. Umbrella and excess liability policies are slightly different in the type of coverage they offer. Commercial auto insurance has a liability section to cover the liability loss exposures associated with driving a vehicle. Even workers’ compensation insurance is a type of liability policy to cover the statute liability imposed by the government for employees that are injured on the job.
If you have any questions about the liability loss exposures of your landscaping business, or if you would like to speak with an agent about designing a comprehensive insurance program, please do not hesitate to contact BearWise Landscapers.