If you have made plans to hire a landscape contractor to perform work at your commercial or residential property, it is important you ask yourself a question – is the contractor insured? Most of us often get carried away by the big vans these landscaping experts come in, with their employees wearing the uniforms with passes. So, we do not dig deep into details and know if the contractor has a valid insurance or not.
If the landscaping contractor does not have insurance, you as the property owner can be held liable if any employee from the said company gets injured in your premises. There are a number of insured and experienced Calgary landscaping companies you choose from, but you need to verify a few details before hiring them for the work. Let us understand the importance of this in more detail.
Lawsuits can be quite expensive
None of us want to think about the worst case scenario, but it is always better to be safe than to feel sorry at a later stage. You need to check if the employee working at your office or commercial space has the worker’s compensation insurance. It is important to check this as operating the heavy landscaping equipment come with a lot of risks. You do not want to get into any legal issues yourself for such accidents.
Accidents can happen anytime
Though a number of Calgary lawn care companies are professional and have well-trained employees, accidents can still occur. Anyone in your property can get injured due to some equipment that is left behind or there can be an occurrence of any incident that is completely out of your control. This is what makes it important to check if the contractor you are planning to hire carries general liability insurance for claims coverage. A general liability insurance provides the protection against any 3rd party injury claims. This insurance also covers the cost of treatment, the court fees and much more.
Coverage for the company’s property
Imagine that a costly equipment of the contractor gets stolen from your premises. Who can be held responsible for the theft? Homeowners or commercial property owners also need to check if you Calgary landscape contractor has all the company’s equipment covered. If not you might end up paying for the lost equipment.
It is important to understand that insurance is not an option for landscape contractors. One also needs to check about what kind of practices the contractor follows to prevent any kind of accidents from happening. A reputed landscape firm will for sure have timely training programs for their employees and also follow strict policies for handling as well as storing the equipment they use. You can also find out about the equipment maintenance as there can be an occurrence of accidents due to the use of faulty equipment. Ultimately you only want to hire the company that can provide you with the best services, at the best price and also follows a safety culture.