Insurance for New Brunswick Landscapers and Snow Plow Operators

landscape insuranceIt is a common fact that Landscapers often do Snow Removal. Both are seasonal operations and both are needed services. This type of business needs to have the right coverage at the right time.

You'd be amazed at how many landscapers and snow plow businesses fall short of securing the proper type of coverage. 

That is where we can help you. Both the landscaping business and the snow plowing business have their own set of risks or their own set of hazards. You need to discuss with your broker about the risks involved with your business, and how the right type of insurance coverage and policy can provide the protection you need.

A Pearson Insurance Broker will take the time to make sure we check with all of our companies to provide you the right protection for your business. We will assess your insurance risk, review the coverage we recommend and why, and how this policy will respond in the event of an insured loss.

We have the ability to provide comprehensive insurance packages for both the landscaping operations and the snow plow operations. It can be conveniently covered under one policy if you do both. Should your operation be only landscaping or only snow removal, we can do that too.

Our office has competitively priced policies for snow plow operations, landscaping operations and for those who do both. We can build our insurance package to meet your own specific needs.

Business Insurance for Landscapers

Landscape InsuranceWhat type of insurance do landscapers need?

One very important coverage required is Commercial General Liability Insurance. This type of policy can provide broad coverage for claims made against the business or business owner. This would provide protection to the policy holder for third party bodily injury or property damage as a result of the business operation. It will provide insurance coverage against the risk of lawsuits for damage or injuries that you or your employees become liable for.

Pearson's insurance policy for landscapers also offers a wide range of options that we can walk you through to identify your specific needs.

Insurance for landscapers can include coverage for:

  • Your business premises and buildings.
  • Your smaller tools, like rakes, shovels, saws etc.
  • Your larger equipment like mowers, seeders, bobcat loaders, tillers etc.
  • Employee-owned or hired vehicles used for business.
  • Loss of income if your business is disrupted through an insured event.
  • Pollution, contamination and debris removal.
  • Data breaches and employee dishonesty.
  • Certain jobs may need certificates of insurance or bonding

Whatever the landscaping business is, from arborists and landscape designers to lawn care maintenance, our specialists will take the time to fully understand your requirements so they can tailor a landscape insurance policy precisely for your business.

Snow Removal Insurance Package

Snow Plow InsuranceThese include many of the coverages outlined above in our landscaper insurance program. Our snow removal contractor insurance policy also caters for the very specific needs of your snow removal business, such as:

  • All types of snow plows and snow clearing types of machinery. We would be looking at blowers to multi-position wing plows -- whether temporary or permanently attached and whether you own or hire them.
  • Protection for off-season or off-road storage.
  • Special coverage for provincial and local government snow removal contracting.
  • Sub-contractor insurance and all relevant certification when you or your business are hired by a main contractor.
  • Certificates of insurance which are usually required with various contracts.

Why Pearson Insurance?

It's no secret that the cost of insurance for both landscapers and for snow plow operations have been increasing and not just in New Brunswick, but right across Canada. Climate change adds another degree of uncertainty into the nature of risks in your business.

That's why you need to call on the expertise that Pearson Insurance can offer.

We are among the longest-established, one of the most reputable insurance brokerages in New Brunswick. We know a lot about the region and the special needs of New Brunswick businesses.

You can rely on Pearson insurance for:

  • Top quality, personal service.
  • Some of the most competitive rates around -- because we work with several leading insurers to secure the best coverage with the best price.
  • Further rate reductions when you agree to higher deductibles or have multiple policies through the same insurer.
  • Guidance on risk management as part of your business policy
  • Full support and advocacy if you need to make a claim.

Eliminate your worries about inadequate coverage or being overcharged for your insurance by speaking to Pearson's friendly team of experts.

We look forward to hearing from you! You can contact us via email, by phone at 1-800-260-2277 or even through our website by filling out the form on this page. We will work with you to make sure you can have peace of mind, and you can concentrate on running your business!

Get your free assessment and pricing! Contact us today!