What Type of Insurance Do Landscapers Need?

As a landscaper, you might find yourself wondering: “What Type of Insurance Do Landscapers Need?” Don’t worry, you have come to the right place!  Commercialinsurance.net is here to help.

Landscaping can be a dangerous business. As the business owner, you want to make sure your business is protected with the best insurance policy to meet the needs of your company.

Landscaping is such a broad term that it is important to have an insurance policy that will cover your business for the specific services YOUR business is providing.  

Here are examples of services you may provide:  

  • Landscape architecture
  • Landscape design
  • Landscaping maintenance
  • Lawn maintenance

Each of these services comes with their own different set of risks. This is why it so important to evaluate your landscaping services before receiving a quote. It is more cost-effective to only be quoted for the risks your business is involved with.

landscapers working on lawn and garden
Affordable commercial insurance for your landscaping business

 

Different Types of Landscaping Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in any instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: Billy is mowing the lawn and a rock flies from the mower and the customers windshield is shattered. If you don’t have insurance the windshield replacement could come out of your pocket. But with general liability you can rest easy knowing your landscaping business is covered.

 

  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business.  
    • Example: Billy is on the clock trimming hedges when he injures himself. He needs medical attention fast. Workers’ comp will cover the bill from the emergency room so you can rest easy knowing you are protected and so is Billy.

 

  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thunderstorm is roaring through your town and limbs from a tree break your store window. Don’t fret: your property insurance will provide coverage.

 

  • A business owner’s policy is a great option to consider since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your landscaping business in the same way as each individual policy. This policy, however, can save you money!

 

  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. This policy will cover legal fees too.
    • Example: You provide a recommendation to a client about a specific lawn treatment and, after taking your advice, the customer’s yard dies.  If they sue your company, you are covered.
Landscaper mulching flower bed
What type of insurance do I need for my landscaping business?

Which Commercial Insurance Option Should I Choose?

Now that you understand the basic insurance options available, consider the services that your landscaping business offers. It is also important to know your budget for insurance premiums.

It is a good idea to select the most coverage you can afford. As mentioned before, general liability insurance is a good starting place. This is true for every business! Do you have employees? Does your state require workers’ compensation insurance? If so, workers’ comp would be a solid second option.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can visit our site, commercialinsurane.net, and fill out the form at the top of the page,
  • Contact us by phone at 1-877-907-5267.

What Type of Insurance Do I Need For a Cleaning Business?

As a cleaning business owner, you might find yourself wondering: “What type of cleaning business insurance do I need?”. We at Commercialinsurance.Net are here to help by making this process quick and simple.

A cleaning business, referred to as a janitorial business, can be demanding and full of risks. As the business owner, you want to make sure you are covered with the right policy that will meet your company needs.

First, a cleaning business can offer such a large variety of services that it is important to list the services that your specific business provides.  This will ensure that your policy meets all of your needs. This is also a money-saving move because you will be purchasing the correct amount of coverage for your cleaning business.

Here are a few examples of services your business might provide:

  • Vacuuming, sweeping, mopping, dusting
  • Trash removal and recycling
  • Restroom cleaning
  • Carpet cleaning
  • Stripping and waxing
  • Window cleaning
  • Exterior cleaning, such as power washing

Each service comes with its own risks, but not all risks are created equally. This is why it is critical to know what services you will provide or are willing to provide. This information is key to getting an accurate insurance quote and the right amount of coverage for your business.  

Cleaning business

Different Types Of Cleaning Business Insurance and Why You Want Them

  • General liability, also known as slip and fall insurance, commercial general liability, or commercial liability, is typically the first type of insurance we suggest for any business. General liability insurance will cover your cleaning business in many instances of damage to the customer’s property, bodily injury, or lawsuit.
    • Example: You are cleaning a customer’s house.  While you are dusting, you break a valuable vase. Your general liability policy will cover the accident/damage to the customer’s property. If your cleaning business didn’t have a general liability policy, this would have been an out-of-pocket cost.
  • Workers’ compensation, also known as workers’ comp, is another valuable option for your cleaning business. Some states require workers’ comp insurance. This policy will cover your employees if they are injured on the job. This includes helping pay medical bills, lost wages, or in the event they try to sue your business legal fees will be covered.  
    • Example: Roger is employed with your cleaning business. In the process of cleaning a customer’s property, he falls from the stepstool and injures his back. He goes to the urgent care and later completes physical therapy. Your workers’ comp policy will cover your employee by assisting with medical costs and lost wages.
  • Property insurance is another important coverage to consider. This type of policy will protect your building, furniture, and business equipment if there is damage, theft, or vandalism. In certain situations, you will be covered from weather damage as well.
    • Example: A thief breaks into your office and steals important equipment. A property insurance policy will cover this incident and you can worry a little less.
  • A business owner’s policy is a great option to consider, since it bundles general liability and property insurance. Bundling policies can often save you money!
    • Example: This policy covers your cleaning business in the same way as each individual policy. This policy, however, can save you money!
  • Professional liability, also known as errors and omissions, is an additional policy that comes in handy. This policy protects against negligence, civil suits, and professional mistakes. Professional liability will cover legal fees too. Professional liability is definitely needed when you are offering your expertise.
    • Example: You are cleaning a customer’s custom wood table, but the cleaning solution you are using damages the piece of furniture. Your professional liability will assist in covering the damages.

Which Insurance Coverage is Right For My Cleaning Business?

After learning a little more about the different types of insurance for a cleaning business and knowing the services you are willing to provide, it will be easier to determine the best coverage for your business.

It is always smart to purchase the most coverage you can afford. We typically recommend general liability insurance as a good starting point. We then suggest evaluating if you have employees or property to protect.

Insuring your business for its associated risks is how any insurance company will help you determine the best policy for you. If you have employees, we suggest getting a workers’ comp policy. If you want general liability and property insurance, we would then suggest a business owner’s policy.

How do I get an Affordable Insurance Quote?

At Commercialinsurance.Net, we understand the needs of a small business. We are dedicated to assisting you in finding the right coverage at a price you can afford. We have many competitive options to get you an insurance quote fast.

  • You can visit our site, commercialinsurane.net, and fill out the form at the top of the page.
  • Or contact us by phone at 1-877-907-5267.

 

New Year, Big Changes

January signifies for most of us new beginnings full of high ambitions and good intentions. This is also true for many businesses; they see the new year as a way to develop, change and expand themselves.

At Commercialinsurance.NET (CINET) we see these new possibilities and we are enthusiastic for 2019; our mantra this year is going to be “New Year, New Company”.

What does this mean? We have been busy helping businesses find great deals on insurance all year long. But along the way, we made a change of our own. After partnering with Insurica Express for three years, we have sold a portion of our book of business to them.

This does mean changes for CINET, but before we get into the changes, let’s talk about what we will never compromise. We will always provide world class service to our customers, our relationship with our employees, and look ahead to new partnerships. In addition, we will continue streamlining the insurance experience as a whole. We will always be committed to helping businesses get an insurance quote fast, easy, and find the most competitive rates on the market. This is who we are.

So what is changing? We get to refocus on our roots. Our passion is nurturing our first customer, the employee. Another goal of CEO, Mark McClure, is for our employees to be proud of the company they work for and the work they are doing. After all, one of our core values is to, have fun and laugh. CINET will look forward to establishing new partnerships to make our commitments to our customers that much easier and open more doors for them. Andrea McKinney, General Manager of CINET, boasts “This sale has created a huge opportunity for CINET, it has given us the potential to work with many insurance providers nationwide to help better serve our customers.”

Moving forward, both companies will be thriving, but in different locations. With these changes comes hard transitions and sad goodbyes to dedicated employees, friends, and everyday working relationships. Dain Wise, Sales Manager at Insurica Express, sympathizes, “[CINET] is a good group and I’ve really enjoyed working with and getting to know all of [them] over the last 3 years.” CINET’s Mckinney shares the same sentiment, “I really enjoyed working with the sales team and will miss seeing each of them every day.

CINET looks forward to a continued partnership with Insurica Express as we work on honing our niche insurance business. Insurica Express is also excited about the increase in synergy between the two companies moving into the new year, according to Wise.

Business Owner? Think About a BOP.

Starting or operating a business is enough responsibility on its own–navigating the ins and outs of your chosen profession, pleasing customers and managing your operation–without the additional stress of figuring out the complexities of commercial insurance.

Anytime something can be streamlined, it’s worth investigating. As a business owner, you appreciate when something can be made simpler, although, to paraphrase Albert Einstein, you shouldn’t make it any simpler than necessary. There are times when complexity is warranted, but for the most part, simple is best.

Insurance is one of those things.

To make it as easy as possible, when that’s the best choice, carriers often offer a “BOP”, or Business Owner’s Policy. This is coverage that takes a few of the most needed policies for business owners and combines them into a package, which can usually be a better deal financially than orchestrating all of the policies individually.

A Business Owner’s Policy usually consists of:

  • General Liability. You need this foundational policy to protect you against situations where you might be liable for a third party’s injuries or damages.
  • Business Property Insurance. This provides coverage for leased or owned buildings, equipment, furniture, and important papers.
  • Business Interruption. If an event disrupts your ability to operate, it doesn’t mean your bills will stop. Procuring Business Interruption coverage can be a business life saver.

Your business is unique, and that means your company’s needs will be unique, too. Speaking with a professional who can help you figure out the best coverage for your particular business is important. It may be that a BOP would help your bottom line, and you may also be in a situation where you need the additional help of an Umbrella policy, or endorsements that go beyond the scope of a BOP.

Understanding basics is a good start, and will help you take a hand in the risk management of your business, but you need an experienced specialist to guide you through insurance specifics.

Call us today at 1-877-907-5267 to speak with one of our insurance professionals and get the plan that’s right for you.

Consider Umbrella Insurance…For a Rainy Day

If you’re a responsible business owner who has done their research and purchased business insurance for every aspect of their business–Workers Compensation, General Liability, Commercial Auto–you may wonder what Umbrella Insurance is, and if you need it.

Excess Liability or Umbrella Liability Insurance is a coverage that’s intended to provide for instances when the limits of your foundational policies are exceeded. In the unhappy event of a lawsuit against you, if the legal fees exceed the provision of your General Liability policy, this is the addition that would help out.

It’s possible that if there’s one thing that outstrips the frustration business owners feel at having to pay regular premiums for insurance, it’s the fear that all of that insurance might be necessary one day.

If something could surmount that concern…it would be the worry that it wouldn’t cover all of it.

This is where Umbrella Liability Insurance comes in.

Several factors come into play when considering whether Umbrella Liability Insurance is a good investment for your particular business and where it can be most beneficial in your risk management plan.

  • Average cost of damages. Different fields have different risks; investigating your segment’s typical court case can help you identify the amount of coverage you need.
  • Necessity of staff. One response to unexpected cost, when underinsured, is for businesses to cut staff or expenses. If you run close to the line every month–or can’t afford to do without any of your team–the extra cost of an Umbrella policy could be well worth it.
  • Type, location, and size of business. All three of these will affect your need for umbrella insurance, and also the cost of it.

It’s important to note that Umbrella coverage is an extension of liability insurance, but there may be instances when there are limits. Nothing replaces speaking with a professional who can answer questions about your specific business and insurance needs.

Call us today at 1-877-907-5267 for help evaluating or creating your business’s risk management plan. Don’t wait until it’s too late–have enough insurance coverage before an event occurs.

Professional Liability vs. General Liability

Going into business sometimes means navigating new strategies and encountering unfamiliar terms; the insurance aspect can be one of the most confusing, especially if it’s not a world you’ve dealt with much in the past.

Researching what you need, what’s a good idea, and what you can do without are some of the first steps in understanding what your business will require, insurance-wise. Defining terms, and learning what each type of coverage is and isn’t is a good practice to go along with that.

A common question from business owners, consultants, or freelancers is, “What’s the difference between Professional Liability and General Liability?” The natural follow up to that question is, “Do I need both? Or does one include the other?”

General Liability is a policy that insures you against claims from a third party that allege bodily/personal injury or property damage. It typically covers legal costs like settlements, defense fees, and other expenses. This is a building block for most businesses–you may hear it referred to as “Slip and Fall” insurance and if you’re a contractor, clients you work with may require it in order to do business together.

Professional Liability is also known as Errors and Omissions. This coverage generally applies to the professional who offers services and is typically concerned with financial damages that arise out of mistakes or lack of completion. It’s more specific than a General Liability policy and applies to the arenas that need “expertise”. Lawyers, IT specialists, and many types of contractors and freelancers benefit from this coverage. It may not be required by your state or professional organization, but it could be a very good idea that might save your practice/career in case of a claim.

No matter what type of business you engage in, consulting with an insurance specialist about your business insurance needs is wise and could be the most important part of your business plan. Lawsuits, even those that are unfounded or frivolous, can often end business dreams, and the surest way to ensure your future–even if you’re very good at what you do–is to be certain that you’re insured to the best of your ability.

Risk management is an art, and our business is helping you protect your business. Call us today at 1-877-907-5267 and let one of our specialists guide you in the search for finding the coverage that’s right for your business.

The Best of Both Worlds: Starting Your Own Business…In the Comfort of Your Own Home

Shot from above of a young businesswoman working on the computer late at night.
Is your home business covered?

Entrepreneurship is still at the heart of the American dream; working for yourself can answer a lot of problems, but it can also create some if the insurance for your home based business isn’t tailored to your specific situation.

Recent statistics indicate that home-based businesses number in the tens of millions, and growth is projected to continue. Whether you’re consulting, freelancing, or creating and selling, a home-based business can offer you a way to work for yourself without investing in another location, leaving you more financial room to invest in your business.

Part of that investment needs to include sufficient insurance.

Many home-based business owners may neglect insurance altogether, or make the mistake of under insuring. This may keep your costs low initially, but in the long run, you might end up paying more for events that arise, that could have been covered by paying a regular premium.

Insurance for a home based business needs to provide General Liability, especially if you are going to have clients on premises. This is a coverage that includes your liability for injuries or damages to third parties. (You may have heard it referred to as “Slip and Fall” insurance.)

If you’re using your car, or another vehicle, Commercial Auto insurance may be necessary, as well. Professional Liability applies to injury or damage caused by negligence, and you may want to consider Advertising Liability, to protect you from slander, libel, or copyright infringement.

The freedom that comes with a home-based business does have an equal responsibility, and making sure that you develop an adequate risk management strategy–that includes insurance for all the aspects of your home based business–can be the deciding factor in whether or not your enterprise is a short-lived dream or a lifelong pursuit.

Reach out to us today at 1-877-907-5267 to talk with an experienced insurance professional about insurance for your home-based business.

Insurance for Booth Renters…Don’t Get Caught Without It!

Woman wearing gloves giving a client a manicure
Is your manicurist booth covered?

As a service professional who rents booth space–whether you’re a manicurist, hair stylist or another personal service provider–you may know that you need a General Liability insurance policy to cover your obligations to your salon or spa…but insurance for booth renters should protect the booth renter, as well.

Beyond the parameters of a General Liability policy (which covers “slip and fall” accidents where a third party is injured or suffers damages and is usually required by salons) insurance for booth renters can cover a multitude of professional exposures, and it can make the difference between an occurrence being a blip on your work radar or a career-ending event.

If you are considered an independent contractor, you have the responsibility for ensuring that your livelihood is protected. Business Interruption coverage, when added to a basic policy for insurance for booth renters, will help you meet your obligations in case something temporarily halts your ability to work.

In the beauty industry, your tools are your trade. If they should be damaged or stolen, it can cost more than you may have on hand to replace them. When insurance for booth renters includes Inland Marine, instances of damage or theft may be covered.

Professional Liability encompasses damages or injuries that occur due to the services you are performing. (Make sure you only perform services that you are licensed to give.) If a client is burned or hair is damaged, this is the coverage that would apply, if it falls under the parameters outlined.

Senior woman hairdresser holding a hair setting spray and a brush at salon. Hair stylist in a happy mood while at work in salon.
Is your stylist booth covered?

Worries about cost top the list of questions that hair stylists and manicurists have about insurance for booth renters, but keep in mind that insurance is something to have in place for unexpected events–no one wants to imagine negative occurrences, but accidents happen. Unforeseen events have unforeseen costs; the regular premium you pay for insurance for booth renters is an investment in the continuing success of your business.

Call 1-877-907-5267 today to speak with an insurance professional about insurance for booth renters–find the coverage that fits your business, and your current situation, and a plan for managing your risks as your clientele grows.

Does Getting Insurance for a Business Have to Be a Headache?

Young woman working on laptop with hands on either side of head looking frustrated
Does getting insurance for your business have to be a headache?

Starting a business is an ambitious endeavor, but getting insurance for a business can feel like climbing Mt. Everest; it may seem as if there are endless questions you haven’t considered and hidden costs around every corner.

A solid risk management plan is the foundation of every good business strategy; insurance for a business should not be an afterthought or add-on, but a measured cost that you plan on growing as your company grows. Risk and exposure generally increase as your operations do, and allowing room for growth in insurance for a business is one of the best ways to protect the profits that come with expansion.

Where Do I Start?

Trying to narrow down your options when searching for insurance for a business can be overwhelming. Keep these points in mind when considering commercial insurance choices…

  • Experience with your segment. A company well-versed in handling insurance for a business like yours will have the answers to common questions and will be able to help you navigate your needs and give you direction in areas where you need it.
  • Access to A-rated carriers. Finding insurance for a business is hard enough without worrying that the carriers your provider uses aren’t top quality. Ask the specialist you speak with about the carriers they use.
  • Timely service. You want experience and professionalism first and foremost, but there’s no reason that those things should come at the expense of your time. Your provider should value your time, and quotes and answers to questions shouldn’t take more of that than necessary.

What Do They Need to Know?

Finding insurance for a business can be made a little easier if you know the standards that companies are using to evaluate what coverages your business needs. Here are some common questions you might encounter when you begin the search for insurance for a business…

  • Specific practices. Be as precise as you can. If you’re going to do landscaping, be prepared to respond when asked about the services you’ll offer. Trimming trees poses a different set of risks than mowing lawns, and the application of this principle goes across a number of different types of businesses. Questions will help the person guiding you to know what you need…and how much it will cost.
  • Projected income. To get insurance for a business, you’ll need to know how much you expect to make. Determine your pricing, and then estimate how much work you’re likely to get in a year.
  • Experience level. To properly calibrate insurance for a business, the professional putting it together will need to know what level of success it can expect, and that’s often a result of how much experience the person starting the business has in the field.

Getting insurance for a business can seem like a daunting task, but we’re here to help; call our specialists at 1-877-907-5267 for a quick, free quote, or click here to start the process.

What Do You Do? Understand Your Property Preservation Insurance Needs

wooden house on the shore among the autumn trees
Is your Property Preservation business covered?

At its simplest, property preservation is simply what its name suggests, keeping buildings from disintegrating into health hazards or eyesores; the need for specific property preservation insurance for your business will depend on a few factors.

Determining your property preservation insurance needs requires asking about your usual or expected practices. Even if you don’t offer a particular service at this point in your business, if it’s a future prospect or something you’d like to eventually do, having property preservation insurance that covers you for that pursuit could be the help you need in getting those jobs.

Here are some basic practices that an insurance professional may ask about, to determine what type of property preservation business you have, or would like to have…

  • Lock changes. Securing properties is not always a feature of property preservation. Getting adequate coverage in your property preservation insurance policy means understanding all of your exposures.
  • Winterization. In certain climates, vacant properties need special attention when temperatures drop. If a point is missed, damages could arise–you want to be sure your property preservation insurance addresses all your practices and covers your liabilities.
  • Debris removal. This could be as simple as removing property left behind by tenants, or disposing of materials after a rehab or renovation. Whatever the circumstances, the agent managing your property preservation insurance should be informed of the type of debris removal you do.
  • REO (Real Estate Owned) Maintenance. Whether you own a small operation that contracts through a larger property preservation organization, or you are that larger entity that specializes in handling foreclosed properties, your property preservation insurance will likely need to meet certain requirements. Specifics from all parties involved are necessary, as well as full disclosure of your operations to your insurance professional.

Engaging in property preservation can be a lucrative business opportunity, and having the correct type and amount of property preservation insurance can be one of the deciding factors in your success. Transparency about current practices and future goals will help ensure that your property preservation insurance policy covers your risks and sets you up as a professional worthy of consideration for contracts.

Call us at 1-877-907-5267 to speak with an insurance professional who can guide you to the right coverages for your property preservation insurance needs.