Does Your Landscaping Business Need Commercial Vehicle Insurance?

Your landscaping business will be booming this fall, make sure you have the protection to keep it up and running.

If you own a landscaping business, chances are you already have the general liability, business owners, and workers compensation insurance you need.  However, even with these policies, your business may not be completely covered.  Find out how commercial vehicle insurance can offer your business the protection it needs.

Why do I need commercial vehicle insurance?

As a landscaper, or owner of a landscaping business, you and you employees spend a lot of time driving to different jobs.  Any time you or your employees are driving for business purposes, you are in danger of a commercial vehicle accident.  Even if you use your personal car for work, your personal auto insurance may not cover damages incurred during commercial use of your vehicle.   The best way to cover all the vehicles used in your business is to consider a commercial vehicle insurance policy.

What does it cover?

Like a personal auto policy, commercial vehicle insurance protects against liability risks and offers compensation for vehicle damages.  However, instead of simply covering you, a commercial vehicle policy covers you and anyone else who drives the insured vehicle(s).  This is why it's particularly important to have a commercial vehicle policy if your landscaping business has employees.   A standard policy will provide liability coverage, coverage for medical payments, collision coverage, and so on.

Speak to your insurance company to make sure that your landscaping business has all the coverage it needs.  If you are looking for commercial insurance,  contact the professionals at Scavone Insurance today.  Our friendly team is ready to assist you with all your insurance needs.