Daprile Insurance Group

Landscaping Insurance in Ohio & Beyond

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Daprile Insurance Group | Insurance in Ohio

Protecting your landscaping or lawn care business in Ohio starts with the right insurance guidance. At Daprile Insurance Group, we understand the risks and responsibilities that come with running an outdoor service business. Whether you’re trimming hedges, managing a crew, or maintaining commercial grounds, having reliable insurance coverage can help your company stay resilient in the face of everyday challenges.

We offer customized insurance solutions tailored to the needs of landscaping and lawn care professionals across Ohio. From small start-ups to established service providers, our goal is to help you focus on growing your business while minimizing risk.

Landscaping Insurance Ohio

Why Do Landscaping and Lawn Care Businesses in Ohio Need Insurance?

Running a landscaping or lawn care business involves more than just maintaining green spaces. You’re operating vehicles, using specialized equipment, working in varying weather conditions, and spending time on properties that belong to others. Each of these factors introduces risks that can lead to costly claims or legal concerns.

Insurance coverage can help protect your Ohio-based business from financial strain in the event of a covered loss. It can also help you meet client requirements, secure commercial contracts, and stay compliant with local and state regulations. With the right coverage in place, you can concentrate on running your business instead of worrying about the unexpected.

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What Types of Coverage Should Landscaping and Lawn Care Businesses Consider?

Every landscaping and lawn care business is different, which means coverage needs may vary depending on the services offered, size of the team, and the types of properties you service. Some of the more commonly considered types of insurance for landscaping and lawn care professionals in Ohio include:

  • General Liability Insurance: May respond to third-party claims involving bodily injury or property damage caused during your work. This can be important if, for example, a piece of equipment damages a client’s fence or a passerby is injured on a job site.
  • Commercial Auto Insurance: May help protect vehicles used for business operations, including trucks, trailers, and other transport vehicles. If you use your vehicle to haul tools or transport crew members, a personal auto policy may not provide adequate protection.
  • Inland Marine Insurance: Often used to cover tools and mobile equipment that move from site to site. This can include mowers, trimmers, and other landscaping machinery that is vital to your daily operations.
  • Workers’ Compensation Insurance: Can help provide benefits to employees who suffer work-related injuries or illnesses. It may be required under Ohio law if you have employees.
  • Professional Liability Insurance: May be relevant if your services include design or planning, as it could help address claims related to alleged errors or omissions.

 

Other optional coverages could include business interruption insurance, pesticide/herbicide application coverage, or umbrella insurance for additional liability protection. At Daprile Insurance Group, we can guide you through the process of identifying what policies may be appropriate based on your specific business model.

  • Lawn care and landscaping insurance isn’t only for large companies. In fact, even part-time or solo operators can benefit from having insurance in place. You may want to consider insurance if you provide:

    • Lawn mowing and seasonal cleanup
    • Shrub and tree trimming
    • Garden or landscape design
    • Mulching and planting services
    • Fertilizer and weed control application
    • Hardscaping, such as patios or retaining walls
    • Commercial grounds maintenance
    • Snow removal in the winter

     

    Whether you’re servicing small residential yards or large corporate campuses, carrying the right insurance can help protect your business and improve your credibility with clients.

  • Several factors can influence the cost of landscaping and lawn care insurance in Ohio. Insurance premiums are typically determined by:

    • The size and structure of your business
    • Number of employees and annual payroll
    • Types of services offered
    • Equipment value and transportation needs
    • Business location(s)
    • Claims history and risk profile
    • Coverage limits and deductible preferences

     

    Because there’s no one-size-fits-all pricing model, our team at Daprile Insurance Group offers personalized quotes based on your actual needs. We work with multiple carriers to help ensure you receive a fair rate with suitable coverage options.

  • While not all types of insurance are legally mandated in Ohio, several policies may be required depending on how your business operates:

    • Workers’ Compensation Insurance is generally required if you employ one or more people. This helps ensure that employees are protected if they are injured on the job.
    • Commercial Auto Insurance is required if you use vehicles registered to your business. Ohio mandates liability coverage for business vehicles to meet state minimums.
    • General Liability Insurance is often required by commercial clients or government contracts. Many residential customers also prefer working with insured providers.

     

    Even when not legally required, carrying insurance can provide peace of mind for both you and your customers.

  • At Daprile Insurance Group, we specialize in helping Ohio businesses find insurance options that align with their unique needs. As an independent agency, we are not tied to a single carrier. That means we can present multiple quotes, compare policies, and help you make informed decisions based on your goals.

    Here’s what you can expect when you work with us:

    • Local Knowledge: We understand Ohio’s climate, seasonal risks, and business environment.
    • Dedicated Service: Our team offers personalized support and clear communication from quote to renewal.
    • Carrier Options: We work with reputable insurance companies, so you can choose from a range of policies.
    • Responsive Claims Support: When something goes wrong, we’re here to help guide you through the claims process.

     

    Our mission is to help small businesses thrive, and that includes protecting you from the risks that come with operating a landscaping or lawn care service.

  • Ohio’s diverse weather patterns mean lawn care businesses operate year-round in changing conditions. Spring and summer bring regular maintenance and landscaping projects, while fall introduces cleanup services and winter may demand snow removal or seasonal shutdowns.

    This variability requires lawn care professionals to be adaptable, and their insurance coverage should be just as flexible. From residential lawn mowing to large-scale landscaping projects, your services may evolve over time. Our team at Daprile Insurance Group can help you revisit and adjust your coverage as your business grows.

    Additionally, Ohio’s mix of urban, suburban, and rural landscapes means each region presents different challenges. Whether you’re based in Cleveland, Cincinnati, Dayton, or a smaller town, we can help tailor your policy to reflect your local service area.

Landscaping Insurance Ohio

Ready to Learn More About Landscaping Insurance in Ohio?

If you’re looking for landscaping or lawn care insurance in Ohio, Daprile Insurance Group is ready to help. We take the time to understand your business, explain your policy options in clear terms, and provide insurance solutions that support your long-term success.

Contact our team today to request a free consultation or get started with a no-obligation quote. Let us help you protect what you’ve worked hard to build—so you can keep your business growing, one yard at a time.

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