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www.gopherforum.com – Understanding what insurance you need when you are just starting your lawn care business can be quite overwhelming. I have been able to have a few discussions on landscape contractor insurance over the years to help you understand the topic better. In this most recent discussion I had an opportunity to talk with an insurance agent who sold insurance mainly to the lawn care industry. Here are some of the insights he shared on the Gopher Lawn Care Business Forum that I hope you find beneficial. What kind of insurance does a lawn care contractor need? What insurance coverage a contractor needs is dependent on the type of work he or she engages in as well as the risks associated and protection desired. The general purpose of contractor insurance is to provide financial backing for a contractor who is liable to a client who hires the contractor to perform a certain job. The most purchased type of contractors insurance is general liability insurance. As with other types of insurance, contractor general liability offers the widest protection and is most useful to a company or individual engaged any many facets of contract work. There are maximum payouts on the insurance, generally million to million for each type of protection. Contractors protected by a good plan are usually secured against reasonable financial loss due to problems linked to the contractors work. The most complete protection can be found from adding some more specific types of …