Keep Your Business Growing with the Right Landscapers Insurance
As a landscaper, you give a lot of thought to proper positioning, having trees, bushes, flowers and grass in just the right places in a yard to create a beautiful overall effect. But do you give any thought to the importance of having the right landscapers insurance coverages in place to protect your business? Whether you're just starting out in the landscaping business or have been creating beautiful outdoor settings for many years, it pays to shop around and examine your options for business insurance for landscape contractors.
Choosing the Right Business Insurance for Landscape Contractors
Think about the tools and equipment that you use every day on your job: shovels, rakes, wheelbarrows. Maybe you own a small backhoe or a tractor that you store along with those tools in an office garage. If that equipment was destroyed in a fire, would you have the business property insurance coverages that would allow you to replace that equipment quickly and keep your income flowing in?
Looking at your business property insurance is a good place to start your review of business insurance for landscape contractors. Are your current policy limits for your landscapers insurance adequate? Have you purchased any new equipment that should be included in the policy?
Where is your business office and storage garage located? Is there any danger that a nearby creek or stream could overflow, flooding your premises and damaging your equipment? The business property coverages in most landscapers insurance policies don't protect you against damage from floods or even sewer overflows. You'll have to get a separate policy for water damage if you want that protection included in your business insurance for landscape contractors coverages.
You'll also need to decide if you want your landscapers insurance policy to provide replacement cost or cash value coverage. You'll pay more for replacement cost coverage, but if you had a loss, you'd receive sufficient funds money to go out and buy new equipment. A cash value policy, on the other hand, would pay only for the depreciated value of the equipment.
There are several other types of business insurance for landscape contractors that you'll need in addition to business property insurance. Any cars, trucks, vans or trailers that you use in your business should be covered by commercial vehicle insurance. You'll need general liability insurance to pay legal fees and any judgments against you if someone claims that they've been injured by something that you did. Most states also require you to carry workers compensation insurance if you have people working for you.
Find Competitive Rates on Landscapers Insurance
Whatever type of landscapers insurance you're looking for, it's important to take the time to think carefully about your business' needs and find the best, most affordable coverage you can to protect it.
Netquote.com makes it easy to find competitive quotes. Instead of spending time calling multiple insurance agents, you simply go to netquote.com, fill out a single form and relax. You'll get back quotes from several leading insurance companies--companies that want your business and will compete to get it. Netquote.com saves you time on your insurance comparison shopping, time that you can spend use to create or implement new landscape designs. It's the fast, effective and easy way to find the right insurance coverages for your business at the right rates.
See how much you could save today on your insurance. Get your free business insurance quotes today!