How Much Does Lawn Care Insurance Cost

Does The Size Of The Grass Affect The Price

So far, all the prices weve presented represent normal sized grass. If youve let yours grow wild, for whatever reason, expect the costs to rise. As a rough estimate, heres our lawn care costs table for people who love to let their gardens grow:

Although the prices rise in line with your gardens size, you could see financial benefits in certain circumstances. For example, if youre trying to sell your house, having a pristine lawn gives it greater kerb appeal.

Additionally, if youre self-employed or you work from home, the hours you save when hiring someone to cut your grass go back into your business. Essentially, the cost of lawn care pays for itself in these circumstances.

Snow Salt Spreading Rates

Snow salt spreading rates are $20 to $65 per application of 1,000-square-feet depending on the amount of salt used. Some companies charge $5 to $15 per bag of salt spread. Spreading salt leads to melting and prevents snow or rain from being able to freeze.

Cost To Salt A Parking Lot

The average cost to salt a parking lot is $2 to $3 per 1,000 square feet on small jobs or $150 to $350 per acre, which uses 500 to 1000 lbs. of salt. Bulk snow salt costs $100 to $200 per ton depending on the availability.

What Impacts The Cost Of My Landscaping Liability Insurance

Business owners need business insurance to protect financial assets. Businesses in all industries face risks that are mitigated by insurance. Lawn care insurance cost is an essential investment for a landscaping company.

The most common type of landscaping business insurance cost that business owners invest in is general liability insurance. General liability coverage protects against incidents of property damage, bodily injury, medical payments, legal defense, and more. Although its not a legal requirement to carry liability insurance, its very risky to operate without it.

Common situations that lawn mowing business insurance would cover for a landscaping business include damaging a fence with a lawnmower, broken windows from objects thrown from mower blades, or incorrectly applied fertilizer or herbicide resulting in damaged landscaping plants, as well as injuries to employees and customers.

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Get A Free Landscaping Insurance Quote

A landscaping or lawn care business can be an incredibly profitable and flexible venture. But if it isnt properly insured, you risk losing that versatile and potentially lucrative enterprise. You put your personal assets in jeopardy and run the risk of going into debt if you have a claim made against you.

Speaking with an experienced insurance agent who understands your businesss needs is crucial, and its also imperative that you answer any questionstruthfullyabout what you do or dont do in your lawn care or landscaping business so that your insurance can truly protect you. To get a free insurance quote for landscaping insurance, complete the form at the top of the page or give us a call at . One of our agents will gladly help you find landscaping insurance with the right company for you!

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Workers Comp Costs Depend On The Number Of Employees

Among landscaping businesses that purchase workers compensation insurance with Insureon, 26% pay less than $1,500 per year and 27% pay between $1,500 and $3,000 per year. Companies with more employees will pay more for this policy.

Learn how workers’ comp premiums are calculated and more on Insureon’s workers’ compensation insurance cost analysis page.

How Does It Protect The Business

The Lawn care insurance companies and landscaping firm purchase clients general liability, protecting against injuries and damaging properties. Every company has its policy in which you pay the company fees monthly. The company policy will provide services such as paying medical bills, repairs of damaged property, or replacement of property, and many other things that depend on insurance type. The insurance of property is beneficial and vital for owners. No one knows about their future because one unfortunate incident can give you much financial loss and put your business at risk.

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Why Do I Need Lawn Care Insurance

As a lawn care business owner, accommodating your clients needs is part of the job. You need insurance coverage thats there just when you need it, whether thats five minutes before a last-minute booking or months in advance.

Thimbles Lawn Care Insurance includes general liability insurance which is essential to protect lawn care businesses.

General liability insurance is designed to provide protection from financial liability because of accidents that cause bodily injury, property damage, and personal and advertising injury to third parties. It also provides the investigation and legal defense for those types of claims brought against you and your business, even if you are ultimately not found to be responsible. Here are some example situations lawn care businesses can experience:

Third-party, non-employee bodily injury: You are using a leaf blower to clear a clients backyard. While you gather the leaves into bags, you set the leaf blower down. As the client is leaving their home, they trip over the blower and are injured.

Third-party property damage: While mowing a clients lawn, your mower throws a rock and shatters your clients window. Not good. You could be held liable for the property damage.

Cost Of Starting A Lawn Care Business

7 min read

Starting a lawn care business can be a rewarding, lucrative profession if you can get it off the ground. But as the saying goes, you typically do need to spend some money in order to make money.

How much money do I need to start a lawn care company? The cost of starting a lawn care business can be as low as $500, but a successful business requires some investing for equipment, marketing and sometimes hiring additional staff. You can start your business as a solo endeavor where you do all the work yourself, or you can hire part-time, full-time or on-demand labor.

Most lawn care businesses typically range from $5,000 â $8,000 in order to get started .

When planning your business, you may want to consider the following types of cost:

• Business structure

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The Size Of Your Business

Insurance costs for a lawn care business are dependent upon the size of the business. For instance, if your business falls under a small-sized firm , a small lawn care business insurance policy will work for you. These companies only compensate you according to the total value of your business. Mostly, these companies work with the utmost good faith policy. They only need their clients to uphold a mutual working relationship.

Common General Liability Cost

Limits of policy determine how much the insurer will pay on a covered claim. For a single incident per occurrence, the limit is the maximum that your insurer will pay. The higher policy limits cost more and provide better coverage.

Most landscaping businesses choose general liability policies with a one million dollar per occurrence limit with two million aggregate limits.

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General Liability Costs Depend On Your Landscaping Profession

Businesses with large premises, such as a commercial tree service company, typically pay more for general liability insurance than smaller businesses like a landscape designer. Your industry risk, building maintenance, years in operation, and your location will also affect your premium.

The annual median cost for a tree service company is $1,650, while the median for a landscape designer is $507 or less than $45 a month. As you can see, the cost can vary significantly across professions.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon’s general liability insurance cost analysis page.

Whats Covered By Lawn Care Insurance

Depending on your needs, requirements and company size, there are different types of coverage applicable to your trade. The types of coverage youll need depends on the scope and practices of your business. In the Northern States, for example, lawn care companies often do snow removal in the winter, commonly using trucks not just for plowing but for transporting snow removal equipment as well.

Below are the common types of insurance coverages bundled for lawn care businesses:

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What Are The Benefits Of Landscaping Insurance How Will This Impact My Business

Theres no question that running a landscaping business is costly, especially if youre in the early stages and purchasing equipment, vehicles, marketing, etc. The thought of adding premium costs to the equation can seem daunting.

The truth is that the cost of insurance for your landscaping business is a fraction compared to what youll spend if you get sued by a customer or if an employee gets injured on the job. Plus, if its legally required to have insurance coverage in your state, the repercussions of not having a policy could be major.

With business liability coverage, not only do you have peace of mind knowing that you and your family are covered, but you know your employees and customers are taken care of, too. Small businesses that are insured are seen as more legitimate to customers than those without insurance. Having a current liability insurance policy is a vote of confidence thats great for business.

Currently, our landscaping policy premiums vary depending on how many employees you have, where youre located, what types of services you provide, your estimated revenue, and more. Thats a drop in the bucket compared to the average costs that small business owners are at the risk of paying without the safety net of a policy.

Pricing Guide: How Much Does Termite Treatment Cost

The average cost for termite treatment ranges from $275 to $863, with most homeowners paying $558. A low-end termite treatment job can cost as little as $135, while high-end extermination projects cost an average of $1,390.

If termites have moved into your house, youll want to get rid of them as soon as possible. If you wait too long to call in a professional, the termite colony may grow to an extreme size and cause significant damage to your home.

There are many factors to consider when estimating your total termite treatment costs. The infestations size, the termite type, and the type of treatment required will impact the price.

If you aim to keep your home pest-free, consider requesting additional control treatments that target pests like bed bugs or ants we also have those prices covered in this pricing guide.

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Sod Or Turf Installation

For obvious reasons, turf installation is an expensive process. Whether you are installing sod, or artifical turf, its a labor-intensive process which requires expensive materials to complete.

You should expect to pay as much as $4,800 for this to be done professionally.

Before the company gives you a quote for a flat rate, it will need to visit your property to determine its size.

Some companies can do the estimate remotely via satellite images.

Size Of Termite Infestation

Large termite infestations often require multiple follow-up visits and expensive treatments, such as fumigation. Small termite infestations located in one area of your home often require minimal treatment and fewer follow-ups.

If youre looking to save on costs, contact a pest control professional as soon as you suspect termites are in or around your home. If you ignore the termites, this gives the infestation time to grow and spread throughout your home, increasing total treatment costs.

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Snow Removal Pricing Guide

Snow removal services typically charge on a per hour, event, or inch basis depending on the size of the property and if it’s residential or commercial. All pricing is calculated from labor costs per hour per person, plus equipment, overhead, and profit.

Does The Price Change Much From State To State

There is some variation but not a lot for Landscapers. Unlike other trades, say Plumbers in Victoria pay nearly twice as much as plumbers in some other states. For landscapers in Vic & NSW, you might pay a little more compared to those in SA, WA .

Or Electricians in Queensland are a lot more expensive to cover compared to electricians in other states. Consumer protection legislation has an impact on sparkies and plumbers insurance there. But nothing much to report for carpenters.

The table below shows the cheapest, average and highest premiums for carpenters public liability insurance that we observed for a small business with $100,000 turnover.

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What Should I Beware Of

One thing to be mindful of when comparing lawn-mowing prices is whether the quote youre getting seems reasonable.

Also, keep in mind that a lawn-mowing professional or company might try to bump up the price simply because you live in a fancy neighborhood. Why? Because they think you can afford it, Farley says.

Regardless of what sort of neighborhood you live in, there are some things you can do to avoid lawn care rip-offs. The Better Business Bureau, Better Homes & Gardens, HomeAdvisor and the National Association of Lawn Care Professionals offer these tips:

Knowledge Is Power When It Comes To Lawn Care

I hope that this lawn care pricing chart has given you a good idea about what the average cost of different lawn care services will be.

As I said in the beginning of this article its important to remember that where you live, what your property is like, and how big your lawn is will all play a role in the cost of hiring a lawn care or landscaping company in your area.

If the price of managed lawn care is more than you would like to pay, I encourage you to take control of your lawn and do it yourself. Theres a real feeling of satisfaction that comes with mowing and caring for your own property, and I have a lot of helpful articles on this site to help you get started. Please have a look around!

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What Are The Different Types Of Lawn Care And Landscaping Business Insurance

At biBERK, we offer six different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers’ Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

General Liability Insurance

Also known as commercial liability insurance, a general liability policy is important. The policy covers damages and legal costs associated with injury claims by customers and other people you dont employ, damage to other peoples property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Cyber Insurance

This coverage can be purchased as an add-on to a general liability, errors and omissions, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Business Owners Policy

Landscaping Cost Per Hour

Labor makes up about 80% of the total landscaping cost. Landscapers charge between $50 and $100 per hour for a crew of two. As the manpower required increases, so will the cost. Additional crew members will cost $25 to $50 per hour extra.

Landscape designers are more advanced than typical landscapers, often charging at least $200 an hour to plan and design your yard. While you wont need to work with a designer for routine landscaping work, you will need to hire one if youre looking to install something unique from scratch.

Get at least three quotes from different landscapers before starting work to find one that works with your budget.

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Popular Lawn Care Services & Costs

• Residential or Commercial
• Landscaper Insurance

Prices you will pay for lawn services will vary based on your yard size, the location of property, current health of the yard, and if it’s a residential or commercial property. Climate also makes a big difference, especially in wet climates. This will dramatically increase your yearly cost because the rate of growth of your grass.

Typically, a lawn care service provider will provide a quote based on the square feet of the yard and if there are any obstacles. This means you can get a fairly accurate lawn care quote just from a phone call or instantly here on HomeGuide.

How Much Does Termite Treatment Cost

• Termite Treatment National Average: $558
• Termite Treatment Typical Range: $275 to $863
• Low End: $135
• High End: $1,390

Termite treatment costs typically range from $275 to $863, depending on the type of treatment used and the infestations size.

On average, homeowners pay $558 for termite treatment. Low-end costs average around $135 for a small infestation that requires a simple remedy. If the infestation needs advanced treatment, expect to pay upward of $1,390.

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