Insurance for Landscape Design Business
Currently I am doing Landcape Design, mostly for do it your self home owners. For years I have carried a general liablity policy, probably a better fit for a landscape contractor. It covered when someone was hurt while on the job or if I cause damage to someone property. I am rethinking coverage and came across and error and omission policy. The premiums are very high - I do this part time. I am not drawing plans that involve regrading, large retainig walls that could fail, new construction of decks,etc just making yards look nice with the correct plants. I am not a cerified architect either, thus making E&O coverage more costly.
Does anyone else have some type of general liablity that they have used that would offer some form of protection - if you are doing just design work.