Industry News
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
Now that we’ve turned our calendars and 2024 has come to an end, I wanted to give a brief review of the current state of the auto insurance and workers’ compensation markets within the green industries (i.e., lawn, landscape and tree care).
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
There are three major benchmarks that all landscape companies should consider when looking at how well they manage risk: average claim cost, claim indemnity rate, and claim frequency rate. Knowing the importance of this, we designed a key performance indicator (KPI) dashboard that highlights these industry benchmarks, as well as benchmarks them against other landscape companies in their geographic area.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
Imagine you are a landscaping company owner and your workers’ compensation policy just renewed January 1st. You are probably thinking, now what? Well, the next date that should be on your radar is June 30th, your unit stat date.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
As the calendar turns to April and warmer weather into spring time, now is a great time to take a look at your current Heat Illness Prevention Plan (HIPP), as well as make sure all crew members are up to date on their heat illness training.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
Every business owner understands the correlation between their Experience MOD (XMOD) and what they will pay in workers’ compensation premiums. When the XMOD increases, there is a good chance that the workers’ compensation rates or premiums will rise as well. This is why it is so crucial to really hone in on company safety procedures to limit work-related injuries as much as possible. The reality is that even the safest company that does everything the right way is going to run into a workers’ compensation claim from time to time.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
One of the most important practices for any landscape professional is fleet safety. Whether you have 10 trucks or 100, the exposure and risk remain the same. Explore a prior podcast episode, Episode #251, in which I delve into compelling statistics that shed light on the increasing frequency and severity of auto accidents each year.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
When my baseball career ended in 2021, it was time for me to do something new with my life. For me the decision was easy and one that I am very grateful for. My dad, Dave Garcia started Rancho Mesa 25 years ago and throughout the years he and many others have contributed into what Rancho Mesa is today, a 16-time National Best Practices Agency. I was fortunate enough to get an opportunity to join such an amazing organization.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
When my baseball career ended in 2021, it was time for me to do something new with my life. For me the decision was easy and one that I am very grateful for. My dad, Dave Garcia started Rancho Mesa 25 years ago and throughout the years he and many others have contributed into what Rancho Mesa is today, a 16-time National Best Practices Agency. I was fortunate enough to get an opportunity to join such an amazing organization.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
When my baseball career ended in 2021, it was time for me to do something new with my life. For me the decision was easy and one that I am very grateful for. My dad, Dave Garcia started Rancho Mesa 25 years ago and throughout the years he and many others have contributed into what Rancho Mesa is today, a 16-time National Best Practices Agency. I was fortunate enough to get an opportunity to join such an amazing organization.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
From an insurance premium standpoint, one of the largest cost for any landscape company would be the auto policy, and for good reason. According to the National Highway Traffic Safety Administration, a motor vehicle crash happens every 12 minutes. Of course, not all those accidents are from landscapers, but it’s still a staggering statistic none the less.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
As temperatures continue to rise across the country, it is important for landscape companies to take proper precautions while working in the heat of summer. Heat-related illnesses are very much preventable, if the proper safety steps are in place.
Author, Greg Garcia, Account Executive, Landscape Group, Rancho Mesa Insurance Services, Inc.
Every landscape company wants to be safe. So, I want to discuss three ways to improve safety in your workplace starting today: routine equipment maintenance, personal protective equipment (PPE) checks, and finally, assessing job site hazards.
Author, Greg Garcia, Account Executive, Landscape Group, Rancho Mesa Insurance Services, Inc.
There are many tips, ideas, and systems involved in creating a safe culture in the landscape industry. The most common practice landscape companies implement with regards to safety are regular safety meetings.
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
Workers’ compensation premiums typically represent one of the largest overhead expenses for landscape companies. Premium costs are driven by the number and severity of claims a company has had over a five-year period. Thus, fewer claims often equate to a lower premium paid for workers’ compensation insurance.
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