Black color landscaping truck

Always on the Road: How Landscapers Can Save on Commercial Auto Insurance


Landscapers spend a significant amount of time on the road traveling between job sites, which increases their risk of accidents and other vehicle-related incidents. As a result, commercial auto insurance is an essential coverage for landscapers.

However, with the rising cost of insurance premiums, it’s essential to find ways to save money on commercial auto insurance. Here are some tips for landscapers to save on their commercial auto insurance. Remember, these tips apply to large businesses, sole proprietors, and individual employees of local landscaping firms.

Hire Safe Drivers Across the Board

One of the most significant factors that influence commercial auto insurance rates is the driving record of candidates you review. The more accidents and violations a driver has on their record, the higher the insurance premiums will be. Moreover, there’s a higher likelihood that they could be involved in another accident or incident.

When looking at Federal Motor Carrier Safety Administration figures, the average cost of a crash involving a commercial vehicle is $91,000. Even if you only have pickup trucks in the field, your losses could be massive, potentially wiping out your business in a few moments of indecision or a lapse in judgment.

Choose the Right Vehicles for Your Landscaping Crew

The sorts of vehicles you use for your landscaping company can also affect your commercial auto insurance rates.

The Insurance Institute for Highway Safety has said that smaller vehicles generally have higher insurance premiums than larger vehicles. This is because smaller vehicles are more vulnerable in accidents and may cause more damage to other vehicles. By choosing larger, safer vehicles, landscapers can reduce their insurance premiums.

At the same time, you must match people with vehicles. Perhaps you only have large vehicles in your fleet. Don’t ask anyone to drive them if they’re not comfortable doing so. This is a two-way street between you and your team.

Increase Your Deductible

Increasing your deductible is another way to save money on commercial auto coverage simply because is cuts back on premiums. However, it’s essential to make sure you can afford the deductible in the event of an accident or other vehicle-related incident.

While we don’t mean to be alarmist, you do raise your deductible at your own risk.

Bundle Your Insurance Policies

Bundling your insurance policies is another simple way to save money on commercial auto insurance. Many insurance providers offer discounts to businesses that purchase multiple policies from them, such as commercial auto insurance, general liability insurance, and property insurance.

If you’re not sure what discounts are available for bundling or which carriers will allow you to bundle reach out to our team at Liberty San Francisco Bay Area for a full coverage review and new quotes.

Contact Liberty San Francisco Bay for Help With Commercial Auto Coverage

Yes, landscapers can save money on their commercial auto insurance by hiring safe drivers, choosing the right vehicles, increasing their deductible, and bundling their insurance policies. However, these strategies must be paired with good, common sense. If you need help finding the right commercial auto insurance coverage for your landscaping business, contact Liberty San Francisco Bay Area today. Our team of experienced professionals will review your current coverage, answer your questions, and seek out new quotes any time you like.

Get an Insurance Quote for Your Landscaping Business

See how Liberty can provide you and your business with great coverage and great rates.

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