Some Landscape Contractors May Need Contractors Equipment And Inland Marine Coverages
Landscaping subcontractors are those that are engaged in a variety of artistic actions that intends to change the visible attributes of land, or the maintenance of decorative bushes, trees, and soil in residential and commercial areas. Landscapers could include work on the gardens, structures 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 yard and tree care where application of pesticide, herbicide, and fertilizers as well as chopping branches and removing leaves, as well as trimming of trees and shrubs are some of their usual activities.
Landscape contractors who work with the construction and restoration of irrigation systems, sodding, working with artificial land, as well as the improvement of certain environment are all types of works which landscaping artisan contractors deal with.
Insurance Required by Landscaper Subcontractors
- Landscaper General Liability: Like all subcontractors, landscapers need commercial general liability to cover them while working at customers locations. A landscape artisan contractor insurance is needed to cover for their neglectful conducts while doing their job. 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 companies may have specific exclusions for damages resulting from the wrong use of pesticide, herbicide, and fertilizers. Other companies may not cover any damages resulting from imperfect design of the landscape. The main factors that mold the costs for the commercial liability of artisan commercial policy are yearly wages, annual receipts and characteristics of activities practiced.
- Landscaping Artisan Contractor Commercial Auto: All contractors need this coverage for their vehicles that are utilized in the course of the business. A few smaller contractors wrongly insure their business autos under Personal Auto Policies (PAP), resulting in a great risk as a PAP does not cover the contractor if the auto is utilized for business functions. Garaging ZIP , ages and driving records of the drivers play important roles in shaping the cost of the coverage.
- Landscaping Contractors Workers Compensations: Workers compensation is the law. For landscapers who employ others and pay wages, a workers compensation policy is a must. If the landscaper has many employees that do more than one type of activities (such as clerical, drivers, etc.) categorizing the workforce at the time of obtaining insurance may reduce the insurance premium. Owners and officers may not include themselves from workers compensation coverage.
- Contractors Equipment and Inland Marine Coverages: Landscapers may like to additionally insure the miscellaneous tools and certain equipment they use. Also they may need to get an installation floater insurance (covers contractor's raw materials while in transit or while kept at a customer location). Additionally, coverage for rental equipment may be required if there is potential losses from theft or another loss on rented tools.
- Landscapers Umbrella or Excess Liability: Some larger size landscapers may need extra liability insurance for better additional protection or to meet legal obligations.
- Contractors Property Insurance: This insurance may be required 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 coverage is a necessity.
Augusta Lawn & Turf
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