Meet Lloyd and Sam. They are both involved in landscaping and property beautification. However, there is a clear difference. Lloyd has a college degree in landscape architecture, something that has been awarded to him by following diligent school curricula and tests. Sam, on the other hand, may not even have earned a high school diploma. He learned the trade from his father’s tutoring and practical experience in the field.
Although there is a tangible difference between landscape architects and lawn care business owners, they both serve the homeowner, business, or public property and both need to purchase a custom business insurance plan to protect them from liability risks. inherent to the industry.
The landscape architect: a general definition in terms of liability exposure
Someone who has been certified by a university or college of higher education as a landscape architect can tactically design plans to beautify a property with vegetation, shrubs, trees, flowers, and associated media. The degree gives this professional the opportunity to obtain a license for related work in most states of the United States of America.
Some of the landscape architect’s responsibilities include designing locations such as:
• Playground
• Tot-lot
• Backyard and front of the house
• Common area in commercial areas and park
• Parks and recreational areas
• Exclusive properties in residential areas and luxury homes
Insurance companies provide professional liability coverage to protect the landscape architect from claims and lawsuits against him. Unlike the educated landscape architect, a lawn care business owner may or may not be concerned with the landscape aspect of the industry. However, those in this line face extensive exposure to liability risk.
The Lawn Care Company: An Overview In Terms Of Liability Exposure
Lawn care companies generally engage in the following activities related to gardening and lawn maintenance:
• Lawn mowing
• Weeding
• Prevention and treatment of diseases of insects and grass, trees and shrubs
• Landscaping
• Maintenance of plants, shrubs and flowers
• Sprinkler system installation
Although there is no professional liability here, insurance companies are concerned about many things related to the services and training and experience of lawn care employees. One of the main concerns has to do with the general responsibility regarding the application of pesticides, herbicides and fertilizers in the patios, as well as in the properties of lawns, trees and shrubs.
Landscapers and lawn care business owners who are interested in learning about custom related insurance policies with competitively lower quotes are urged to contact a trusted independent agency that does direct business with many of the major insurance providers and go the extra mile for clients. .
