Landscaper subcontractors are those that are involved in a variety of decorative tasks that intends to change the visible features of land, or the maintenance of decorative plants, trees, and soil around residential and commercial areas. Landscaping could include work on the gardens, designs of natural elements, objects, or abstract elements such as lights.
Landscaper contracts can be categorized in another way, commercial or residential landscapers. They work with lawn and shrub care where use of pesticide, herbicide, and fertilizers as well as chopping branches and removing shrubs, as well as trimming of trees and shrubs are some of their usual work.
Landscaping contractors who work with the installation and restore of irrigation systems, sodding, operating on synthetic land, as well as the repair of certain environment are all types of functions which landscaping contractors do.
Insurance Needed by Landscape Contractors
** Landscaping General Liability: Like all artisan subcontractors, landscapers require commercial general liability to cover them while working at customers locations. A landscape artisan contractor insurance is needed to cover for their negligent conducts while performing their work. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance carriers may have specific exclusions for damages resulting from the use of pesticide, herbicide, and fertilizers. Other companies may not cover any damages resulting from faulty design of landscaping. The main factors that mold the costs for the commercial liability of artisan commercial policy are yearly payroll, yearly revenues and characteristics of operations performed.
** Landscapers Artisan Contractor Commercial Auto: All contractors need this coverage for their vehicles that are used in the course of the business. A few smaller contractors wrongly insure their business vehicles under Personal Auto Policies (PAP), resulting in a great risk as a PAP will not cover the contractor if the vehicle is utilized for business functions. Garaging ZIP , ages and driving records of the operators play important roles in molding the price of the insurance.
** Landscape Contractors Workers Compensations: Workers compensation is mandated by the law. For landscape businesses who hire others and pay wages, a workers compensation coverage is mandatory. If the landscaper has many employees that do more than one type of work (such as clerical, drivers, etc.) categorizing the people at the time of obtaining insurance may reduce the coverage premium. Owners and officers may not include themselves from workers compensation insurance.
** Contractors Equipment and Inland Marine Coverages: Landscapers may like to additionally cover the certain tools and certain equipment they use. Also they may need to get an installation floater coverage (covers contractor's raw materials while in transit or while kept at a customer location). Also, coverage for rental equipment may be necessary if there is potential losses from theft or another loss on rented tools.
** Commercial Landscape Umbrella or Excess Liability: Some larger size landscapers may need more liability insurance for better extra or to meet legal requirements.
** Contractors Property Insurance: This coverage may be necessary if the contractor owns a building or certain scheduled tools and equipment such as computers. The rates are based on amounts, description of property and community. Getting insurance for a landscaping contractors does not have to be a challenging task. Being attentive to exclusions of the policy is a must.
Landscaper contracts can be categorized in another way, commercial or residential landscapers. They work with lawn and shrub care where use of pesticide, herbicide, and fertilizers as well as chopping branches and removing shrubs, as well as trimming of trees and shrubs are some of their usual work.
Landscaping contractors who work with the installation and restore of irrigation systems, sodding, operating on synthetic land, as well as the repair of certain environment are all types of functions which landscaping contractors do.
Insurance Needed by Landscape Contractors
** Landscaping General Liability: Like all artisan subcontractors, landscapers require commercial general liability to cover them while working at customers locations. A landscape artisan contractor insurance is needed to cover for their negligent conducts while performing their work. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance carriers may have specific exclusions for damages resulting from the use of pesticide, herbicide, and fertilizers. Other companies may not cover any damages resulting from faulty design of landscaping. The main factors that mold the costs for the commercial liability of artisan commercial policy are yearly payroll, yearly revenues and characteristics of operations performed.
** Landscapers Artisan Contractor Commercial Auto: All contractors need this coverage for their vehicles that are used in the course of the business. A few smaller contractors wrongly insure their business vehicles under Personal Auto Policies (PAP), resulting in a great risk as a PAP will not cover the contractor if the vehicle is utilized for business functions. Garaging ZIP , ages and driving records of the operators play important roles in molding the price of the insurance.
** Landscape Contractors Workers Compensations: Workers compensation is mandated by the law. For landscape businesses who hire others and pay wages, a workers compensation coverage is mandatory. If the landscaper has many employees that do more than one type of work (such as clerical, drivers, etc.) categorizing the people at the time of obtaining insurance may reduce the coverage premium. Owners and officers may not include themselves from workers compensation insurance.
** Contractors Equipment and Inland Marine Coverages: Landscapers may like to additionally cover the certain tools and certain equipment they use. Also they may need to get an installation floater coverage (covers contractor's raw materials while in transit or while kept at a customer location). Also, coverage for rental equipment may be necessary if there is potential losses from theft or another loss on rented tools.
** Commercial Landscape Umbrella or Excess Liability: Some larger size landscapers may need more liability insurance for better extra or to meet legal requirements.
** Contractors Property Insurance: This coverage may be necessary if the contractor owns a building or certain scheduled tools and equipment such as computers. The rates are based on amounts, description of property and community. Getting insurance for a landscaping contractors does not have to be a challenging task. Being attentive to exclusions of the policy is a must.
About the Author:
Insurance Navy is a leader in providing Liability Insurance for Landscape contractors. The agency also focus on car insurance Crest Hills IL.
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