It probably sounds unnecessary and excessive to consider your local lawn care company insurance credentials but think again. What happens when something goes wrong while they serve on your property? Who pays for that? Someone will definitely have to. Make sure it’s not you.
After a long day’s work, it is only fair to want to come home to a well-kept lawn. A place where the kids can partake in childhood expeditions, and where you can host family and friends for those much needed weekend barbeques.
But alas, you just don’t get the time to tend to those much-needed yard projects. As you compare all the services and estimates offered by local lawn care companies, make sure you don’t compromise on the essentials. For the devil, they say, lies in the details and that’s exactly where you should be looking. Make it a point to ask them for a brief introduction of their insurance policies before you give them the nod.
An insured local lawn care company would not only care for its own safety and that of its employees. They will also care for their equipment while tending to your property. It not only speaks to their professionalism and business practices but gives credence to their job commitments. And that is exactly what you deserve when you hand over your hard-earned money.
You don’t want to one day see your favorite roses trashed or the lawn mower crashed into your garage door. What’s worse is to later find out that not only are you being held liable for your losses. However, it is also for you to pay for any injury to the individual responsible for the mess.
This might sound unrealistic, but it is a real problem. You could face if you don’t do background checks on the service companies you hire.
Bottom line, the company should have the Business Liability and General Liability Insurance to cover the losses that they inflicted on your property, not you. Their worker compensation coverage should take responsibility for the care of their employee, instead of your coverage having to do it. This is important so that your insurance policy remains intact.
So when taking the time to search for a local lawn care company, make sure you go through a strong checklist before letting them pluck your overgrown weeds. Otherwise, it could cost you more than you bargained for.