It’s Important to Only Hire An Insured Company

Hiring an uninsured company puts you and your assets at risk and there are many reasons why.

For example, when it comes to hiring a landscape company, one of your biggest considerations should be whether or not they are insured. Landscaping is inherently dangerous work with powerful equipment capable of causing serious property damage and bodily injury. A landscape company that is not insured against these damages or injuries puts you at risk.

If any third-party damages occur while an uninsured company works on your property, that third-party is likely to come after you for restitution, damages, and medical bill reimbursement. An uninsured company, with assumedly low cash resources, is unlikely to face the repercussions of their accident because it is much easier to disappear and go out of business than to face a large claim against them. This leaves you as a named defendant.

If you think your homeowner insurance will cover you, think again. Unfortunately, most homeowner policies will not cover claims filed as a result of an uninsured company working on your property. Most insurance companies will immediately cancel your homeowner's policy as soon as the claim is filed. This leaves you, your home, and your assets to pay for millions of dollars in damages if serious injury or death should occur.

Furthermore, any lawn care provider who does not carry worker's compensation insurance leaves you vulnerable to worker injuries suffered while on the job. If an employee of an uninsured company is seriously injured on your property, you will likely be named as a defendant in a lawsuit and your homeowners insurance will leave you standing in the dust.

So what does all this mean? Insurance premiums for the landscape industry are high, and there are many lawn care companies that are uninsured because they are not willing to spend the extra money to secure the safety of their customer's families, homes, and assets. Before you hire anyone to do work at your home, ask for proof of their insurance.