Lawn Care Insurance offers peace of mind for property owners. It protects you from unexpected damage due to a natural disaster or a mistake on your part. With insurance, you can get repairs or replacements for any damaged parts of your landscape at a reasonable price. The insurance also covers any unforeseen damages that may happen during the course of normal business operations. A good lawn care company will have several different types of coverage, so it’s best to get a quote to compare the different options available.
Lawn care insurance is divided into two types: general liability coverage and specific coverage. General liability coverage protects you from claims made against you by customers who injure themselves while on your property. This usually includes physical injury, but may also include mental and emotional stress. Your general liability insurance policy will protect you in the event that someone slips and falls on your walkway or slips and falls on your patio or that a customer trips over and suffers an injury. Most homeowners choose to have this type of coverage to protect their general wellbeing as well as their properties.
Commercial auto insurance is designed to protect the structure and equipment of commercial buildings and facilities such as restaurants and stores. Specific coverage, which is often required by states requiring workers to carry insurance, focuses on liability that may occur as a result of an accident on the property. Some states require companies to purchase commercial auto insurance to ensure that their workers are covered in the event of an accident, regardless of whether they are at work or not. In some cases, the company will simply take the workers’ personal belongings as part of the insurance package.
There are many ways that you can protect your business, your home, and yourself with lawn care insurance. You can purchase a one-time policy, but it’s often more economical to buy multiple policies. Increasing your coverage will often help lower your premiums. If you do need to increase your coverage, you will want to be sure to understand the different types of policies that are available and which ones you may require more of.
When shopping around for Lawn Care Insurance, it’s important that you ask about the specific types of policies, coverage, exclusions, and deductibles that are available to you. Be sure to inquire about how you will pay for any claims that you may have. Most policies will only pay out if you have reported an injury that was truly the fault of the employee, and even then, it may only pay up to seventy-five percent of your claim. Some policies will provide compensation for pain and suffering, but these are usually only paid if your injury results in permanent disability. It’s also important to remember that these kinds of claims are at the discretion of the insurance company, so you should prepare in advance for the possibility that your claim will be denied.
As your lawn care professional, you have a responsibility to your customers. You must make sure that they are aware of what you will not cover them with. This includes not only accidents but also damaging the property of others. By making sure that you are properly insured, you will be protecting your business and your financial loss from having to deal with someone else’s claims.