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Lawn Service/Lawn Maintenance Insurance

Call us at (239) 596-6226 for a quote on your lawn maintenance business insurance!
 
Whether you are just starting your lawn service or lawn maintenance business or if you have been in the business for years, it is important that you purchase the right kind of insurance.  Some of the typical insurance policies you will need to buy to protect yourself and your company are general liability, commercial auto, and workers comp.
 
General liability for a lawn service or lawn maintenance company will protect you from being sued if you or one of your employees causes damage to someone else’s property or hurts someone during the course of your normal business operations.  You choose the amount of general liability coverage to be included in your policy, but in most cases $1,000,000 for each occurrence and $2,000,000 per policy period is required by certificate holders.  Liability limits above $1,000,000/$2,000,000 can usually be purchased less expensively through another type of policy called a liability umbrella. Some general liability policies will also cover your equipment. If not, you can purchase a separate policy called an equipment floater. The premium for your general liability will be based on the number of employees you have and/or your payroll.
 
It is important that all vehicles used in your lawn maintenance business are covered under a commercial auto policy, not a personal auto policy.  In fact, most personal auto policies specifically exclude losses incurred when a vehicle is used for business. Also, most personal auto policies typically have limited coverage for trailers.  The collision and comprehensive coverage on a commercial auto policy pays for damage to your company vehicles and trailers. A commercial auto policy also includes liability coverage to pay damage your vehicle does to someone else’s property.  There is bodily injury and property damage coverage to repair or replace damaged property and to pay the medical bills and lost wages for someone you may have hurt.  Finally there is personal injury protection (PIP) which is required by Florida law and medical payments to pay for injuries to your employees.   
 
Workers compensation is required by Florida law for any lawn service or lawn maintenance company that has employees. Workers comp will pay the medical bills, a portion of the lost wages, and possibly a rehabilitation benefit for an employee that is hurt on the job.  The business owner or principal can exclude themselves, and their payroll, from the workers comp policy.  The workers comp premium is based upon the lawn service/lawn maintenance company’s payroll.
 
We are Olson & DiNunzio Insurance Agency, a family owned full service independent insurance agency located in Naples, Florida. Our agency has been serving the business insurance needs of Naples, Marco Island, Bonita Springs, and Estero business owners since 1992. As an independent insurance agency we represent more than 70 insurance companies, so we can match your individual business insurance needs with the company that will get you the best insurance value for your dollar.
 
Please call us today at (239) 596-6226 or click here     for a fast, free, and affordable lawn service/lawn maintenance business insurance quote.

The Conservancy of Southwest Florida was founded in 1964 by a small group of concerned citizens fighting to protect Southwest Florida's unique natural environment and quality of life.  Its efforts focus on the critical environmental issues of the Southwest Florida region — water, land and wildlife —through the combined efforts of environmental education, science, policy and wildlife rehabilitation. The Von Arx Wildlife Hospital at Conservancy of Southwest Florida treats more than 3,300 injured, sick and orphaned animals each year and releases about half back into their native habitats.  Conservancy of Southwest Florida

Our Contact Information 

Olson & DiNunzio Insurance Agency, Inc.
2536 Northbrooke Plaza Dr.
Naples, FL 34119

 Telephone: (239) 596-6226
 Fax: (239) 596-1620
 Email Us

 Hablamos Español

Let us be the one Naples independent insurance agency you turn to for:

These are some of the companies we proudly represent:

  • Allied/Nationwide Insurance
  • Progressive Insurance
  • Travelers Insurance
  • Hartford/AARP Auto
  • Safeco
  • Tower Hill
  • Federated National
  • Bankers Insurance Group
  • Universal Property & Casualty
  • Heritage
  • Citizens
  • AIMGA
  • St. Johns
  • Homeowners Choice
  • Olympus
  • United Property & Casualty
  • American Integrity

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© Olson & DiNunzio Insurance Agency, Inc., 2008
2536 Northbrooke Plaza Drive; Naples, FL 34119
Doing Business in the State of Florida

P: 239-596-6226; F: 239-596-1620; E: info@olsondinunzio.com 

Featuring the cities of Naples, Bonita Springs, Marco Island and Estero Florida. Providing them the highest quality insurance and unbeatable rates.