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 Posted: Mon May 31, 2010 12:33 pm Post subject: Lawn care business insurance |
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I've heard about business insurance covering so many different types of businesses. Is it possible to get the assets of my lawn care business covered under any policy?
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SBurthold
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| Posted: Tue Jun 01, 2010 6:08 am Post subject: |
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| If I were in a lawn care business, I'd never take any risks. It's always a challenge to survive in this competitive world. Even a lawn care business has assets, then why would it be different than any other business! |
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roddick
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| Posted: Wed Jun 02, 2010 9:20 am Post subject: |
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You can obtain a business owner's policy (BOP) to cover your liabilities from your lawn care activities. Damaged plants/lawns, broken windows, fires cause by your negligence, those sorts of liabilities, and more.
You also need a Business Auto Policy (you are probably using a standard Personal Auto Policy improperly -- which means no coverage!!) to cover the movement of your truck and equipment around town in the event you collide with another vehicle or property or person.
You may want theft coverage for your business equipment -- your mowers, trimmers, tools -- in the event they are stolen. Normally not included in a BOP.
If you have even one employee -- whether paid "under the table" or by check -- you are responsible to cover that employee with Workers' Compensation insurance. Failure to do so can cause YOU to go to prison for Workers' Compensation insurance fraud, as well as get you in trouble with other taxing authorities, which can lead to tax evasion charges, state and federal.
You may not fully appreciate the risk to which your business is exposing you. Find a good local agent who knows commercial insurance.
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MaxHerr
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| Posted: Wed Jun 02, 2010 9:48 am Post subject: |
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| There are quite a few types of lawn care insurance policies for our business owners. These policies are designed specifically to meet their needs. |
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steven
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| Posted: Fri Jun 04, 2010 7:10 am Post subject: |
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There's no doubt that you need to apply for business liability coverage as well as coverage to protect any damages caused to property at the same time.
Apart from that you should also seek coverage against fraudulent credit card operations.
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Juanita
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| Posted: Sat Jun 05, 2010 5:11 am Post subject: |
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| Apart from professional liability, you should also cover your key employees, vehicles etc. Make sure, you talk with an agent regarding all opportunities before you sign up! |
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roddick
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| Posted: Sat Jun 05, 2010 7:02 am Post subject: |
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If you have extensive use of communications equipment in your business, make sure that you have the right coverage for it. Also, get your desired coverage for computer data programs and associated equipments.
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sil
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| Posted: Thu Jul 08, 2010 5:46 pm Post subject: |
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| Like any other business entity, lawn care business requires adequate insurance to protect your assets covered. Order to provide specific requirements, many insurance companies have made featuring lawn care insurance industry. When you through your home and auto insurance agent several times, commercial specialty insurance companies get to this store often as they exist for your industry can better understand the threats and policy according to the can pay the price are enabled. When obtaining business insurance agent / company, your business or industry do not understand that you get a higher rate so that they are safe will be unknown. |
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denissharper
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| Posted: Tue Oct 26, 2010 6:42 am Post subject: |
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Like any other business entity, Lawn care business do need adequate insurance cover to protect their assets. In order to provide the specific needs, many insurance companies have created specialty insurance for the Lawn care industry. While you can often get commercial insurance through your home and auto agent, it often pays to shop the specialty insurers as they are better able to understand the risks present to your industry and can price the policy accordingly. When obtaining business insurance and the agent/company do not understand your business or industry then you will get a higher rate so they are protected from the unknown.
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Milfordct
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| Posted: Tue Oct 26, 2010 6:49 pm Post subject: |
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How clever, one spammer plagiarizing another plagiarizer.
Give back your earnings!! Criminals!!
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CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
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