Landscaping is one of the most weather-dependent industries out there. From sudden storms that damage equipment to heatwaves that force delays, unpredictable weather can take a serious toll on your schedule—and your bottom line. As a landscaping professional, you can’t control the forecast, but you can control how prepared you are when bad weather strikes.
This blog breaks down the most common weather-related risks for landscapers and the insurance solutions that protect your business from financial loss.
🌪️ Common Weather Risks for Landscaping Businesses
1. Storm Damage to Equipment or Property
High winds, hail, or flooding can destroy or damage expensive landscaping equipment stored on-site or in transit.
Solution:
✅ Inland Marine Insurance or Tools and Equipment Coverage
These cover damage to tools and machinery whether they’re stored in a garage, shed, or trailer. If a tree falls on your trailer during a storm, your policy kicks in to help you recover quickly.
2. Missed Job Income Due to Weather Delays
Torrential rain or snowstorms can delay or cancel multiple jobs, leading to serious lost income—especially during peak seasons.
Solution:
✅ Business Interruption Insurance (often bundled in a Business Owner’s Policy or BOP)
This covers loss of income due to events outside your control, like severe weather. It helps pay for fixed expenses like rent, payroll, and bills when you can’t work.
3. Slippery Work Conditions That Lead to Accidents
Wet lawns, icy driveways, and muddy conditions increase the risk of slips, trips, and equipment mishaps—both for your workers and the property you’re servicing.
Solution:
✅ General Liability Insurance
If a client or third party is injured on the job site due to hazardous weather conditions, general liability coverage pays for medical expenses and legal defense if you’re sued.
4. Employee Injuries in Extreme Conditions
Extreme heat, cold, or slick terrain can put workers at risk of injury—leading to medical bills, downtime, or even lawsuits.
Solution:
✅ Workers’ Compensation Insurance
Mandatory in most states, this covers medical care and lost wages if an employee is injured due to work-related conditions, including heat exhaustion or frostbite.
5. Vehicle Damage or Accidents in Harsh Weather
Landscaping businesses often rely on vans, trucks, and trailers. Icy or flooded roads significantly increase the risk of accidents.
Solution:
✅ Commercial Auto Insurance
Protects your fleet and your business in the event of vehicle damage, collisions, or liability claims caused by poor driving conditions.
🛡️ Bonus Tip: Bundle for Better Protection and Savings
Many landscaping professionals benefit from bundling multiple policies into a Business Owner’s Policy (BOP)—a package that often includes general liability, property insurance, and business interruption. This not only simplifies your coverage but can lower your premiums.
📌 Final Thoughts from the Experts
Weather is unpredictable—but your coverage doesn’t have to be. The right insurance package gives landscaping business owners the confidence to keep growing, even when the skies look uncertain.
At Bunker, we specialize in affordable, flexible insurance for landscaping professionals and 1099 contractors. We make it simple to get the protection you need, fast. If you’re interested in learning more please visit buildbunker.com or contact us support@buildbunker.com!
