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What Insurance Do Other Landscapers Buy to Protect Their Business?

Roses are red, violets are blue – Have you got the coverage to protect the gardening you do?

You’re in a unique industry. Whether treating a single tree, cleaning up following a storm, or creating an expansive outdoor utopia, your customers depend upon your skills, expertise and equipment to beautify and improve their outdoor living spaces. Working with the hazards of chemicals, chain saws, and other tools can expose your business to one-of-a-kind risks. And that’s in addition to the other perils you face – like damage to your place of business or business-related records.

What insurance coverage do others like you need?

The bare bones of landscaping coverage is a Business Owner’s Policy. Why?  It’s because it helps protect your business in about the same manner as a homeowners policy protects your home and personal whatnot.

By linking some of the most vital coverages small business owners need, including Business Liability, Business Property and Business Income, a BOP can save you money while assisting in safeguarding what you’ve toiled to build. It also gives you a simple way to buy optional, additional coverage tailored to your landscaping business.



Additional Coverages   Landscapers Buy


Others, like you, opt to include the following coverages to protect themselves of inherent risks:

  • Business Income for Off-Premises Utility Services Coverage
    Helps replace lost income in the event of service interruptions brought on by Mother Nature or other factors

  • Contractor’s Equipment Coverage
    Helps pay for the replacement or repair of equipment that's over a  certain value and is damaged on the job
  • Contractor’s Equipment Coverage (Leased or Rented)
    Helps pay for the replacement or repair of tools of lesser value owned by your business when they are damaged on the job

  • Contractor’s Tools Coverage
    Helps pay for the replacement or repair of tools of lesser value owned by your business when they are damaged on the job

  • Herbicide / Pesticide Coverage
    Helps pay for injury or property damage expenses that result from using a pesticide or herbicide on a customer’s property
  • Rental Reimbursement – Contractors Equipment
    Helps pay for equipment rental fees so you can keep working while your damaged equipment is being repaired or replaced

  • Snowplow Operations Coverage
    Helps pay for injury-related or property damage expenses resulting from operating your snowplow

  • Computers and Media Coverage
    Helps pay to research and replace data in the event of a computer mishap so you can get back to serving your clients

  • Non-Owned Auto / Hired Car Coverage
    Provides coverage when a personal vehicle that is used for your business is involved in an accident

  • Data Breach Coverage
    Helps pay for costs associated with notifying impacted individuals, managing public relations, good faith advertising and legal liability expenses

  • Waiver of Subrogation
    In the event a customer asks to be removed from potential liability on his property, this adds greater liability to your existing policy

 More Insurance for Your Dollar

Getting the right coverage for your landscaping business doesn’t have to cost a whole lot. With The Hartford’s Stretch endorsements you can obtain industry-focused endorsement that bundle key coverages. This provides a cost-effective solution that helps take the guessing out of selecting the coverage you need to help protect your business.

Get More Info and Better Quotes

PRIME Insurance is proud of its alliance with The Hartford and proud of its loyal relationship with clients like you. Find out more about what you can do to get comprehensive protection for your landscaping enterprise.

Prime Insurance is a 3-generation family-run independent agency that has won the admiration of the industry. We’ve been presented with numerous awards and been appointed to conduct direct business with more than 40 of the leading companies - big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With over 10,000 satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate tailored coverage at competitively lowest quotes.

HAVE A PRIME DAY™!
PRIME Insurance provides all forms of nationwide coverage, including NJ cheap auto insurance, low quote commercial umbrella insurance NJ,  flood insurance, NJ renters insurance, NJ homeowners insurance, NJ bonds, NJ workers comp, NJ life insurance and more. We invite  you to experience the PRIME difference by visiting us on our online insurance website; emailing us at PRIME [at] primeins [dot] com or by calling us at 732-886-5751!

Summary: See what Prime Insurance can offer your landscaping business. With policies that include the lowest quotes, your roses are guaranteed to smell sweeter.

 


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