Use Care When Selecting Lawn Care Business Insurance
You take pride in your gardening and lawn care business and it shows in the way that you keep your customer's yards looking their best--evenly cut grass, neatly edged sidewalks, well-weeded flower beds. But do you take that same care when it comes to protecting your business financially from disasters? It can take some time and some careful planning to get the right lawn care business insurance in place. The best way to conduct your search for gardeners insurance is shopping around and comparing policies and premiums.
Things to Consider When Choosing Lawn Care Business Insurance
Before you start your search for the most appropriate lawn care business insurance, you'll need to take some time to think about your business. What kind of equipment do you have--both office and gardening/ and landscaping equipment? If a fire destroyed or badly damaged everything you own, could you afford to replace that equipment? Could you get by with less? What about the area where you store your equipment--is it subject to flooding?
Your answers to questions like these will help determine the coverages and the policy limits you'll need for your business property insurance, one of the main elements of a gardeners insurance package. If your building is located in a flood plain, for example, you'll need to purchase a separate flood insurance policy as part of your lawn care business insurance. If you could run your business with less equipment, a cash value policy--which pays for the depreciated value of your equipment--might be a good alternative to a more expensive replacement cost policy.
How many vehicles do you use in your business, and who will be driving them? Commercial vehicle insurance is another gardeners insurance coverage that you'll need, and your policy rates could be impacted by the driving records of the people who use them on a regular basis. You may be required by your state law to carry vehicle liability insurance as part of your lawn care business insurance, since that pays for medical treatments to people who are injured by your vehicles as well as for any property damage your vehicle causes. You may also want to include collision insurance, which pays for damage to your own vehicle in the event of an accident.
When you're looking at the gardeners insurance coverages that you need, be aware that most states require you to carry workers compensation insurance to protect your employees who are injured or killed on the job. You'll need general liability insurance to protect you against claims that something you've done or failed to do on a job has injured someone.
Find Competitive Rates on Lawn Care Business Insurance
When you're looking to find the best gardeners insurance policies and premiums for your lawn care and gardening business, there's no need to waste a week in your office making phone calls to multiple agents and answering the same questions and again and again.
See how much you could save today on your insurance. Get your free business insurance quotes today!