Types of Landscaping we serve
Common questions about Landscaping
Answering the most frequently asked questions about Landscaping.
Because severity is extreme. A dropped limb can total a vehicle, a roof or a person, and climbing and chainsaw work produces the most serious injuries in landscaping. Most tree contractors need excess limits.
That’s a general liability claim, and it can be expensive once service interruption is included. Documented markout compliance before digging matters both for defending the claim and for keeping your coverage in force.
Not automatically. Snow and ice is often rated and underwritten separately because slip-and-fall severity is so much higher. Adding winter operations without telling your carrier can leave the entire season uninsured.
Only with tools and equipment or inland marine coverage. Neither your general liability nor your auto policy covers mowers and equipment being hauled, and trailer theft is among the most frequent losses in this trade.
If you apply pesticides, herbicides or fertilizer, yes. Standard general liability excludes pollution, and chemical application and drift claims fall squarely inside that exclusion regardless of how routine the application is.
An insurance broker can provide personalized service, help you find competitive rates, and guide you through the process of selecting and purchasing the right coverage for your business.
Costs vary based on factors such as the services offered, business size, location, and coverage limits. On average, small businesses pay between $500 and $1,500 annually.
Start by assessing your business needs, then compare quotes from multiple providers. Once you choose a policy, complete the application process and purchase your coverage.
Besides general liability and workers’ compensation, consider commercial auto insurance, inland marine insurance, and contractor’s tools and equipment insurance.
Yes, many states require a license for landscaping businesses, and a surety bond might also be necessary to ensure compliance with local regulations and to protect your clients.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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