Insurance for the Garden Attention Company

I have had many people contact me in what insurance is needed for the lawn company. Below are a few explanations.General Liability- for injury to somebody or their house. Big corporations and government need liability insurance of just one million coverage.Health- If something happens to you while working, you should ensure that your health insurance will protect you if you can't work.Workers compensation- Compensates workers for work related accidents and illnesses. Some states don't require this kind of insurance. Wherever I live (TN), personnel compensation is not needed for less-than 5 employees. Charge of employees comp ranges by state.Business Auto- addresses company vehicles.Cost depends on:* Type* Size* Amount of vehicles* How far it is pushed everyday* What it is haulingBusiness Owners Policy( BOP )- Package insurance which includes:* General Liability* Business Interruption Insurance- changes company revenue andpays charges including gear, company hire, fire, burglary, or other loses. Price $300- $400 a year.Surety Bond -Covers the hiring contractors in case you default at work. Sometimes, this might be needed for commercial jobs. After you become established the bond.Surety bonds may be waived by them are usually unnecessary for residential reports, until you're applying pesticides or herbicides. Ask your insurance agent.Unless you've costly equipment, I'd think about not covering the equipment, but to not guarantee you must always secure equipment with locks which are fast to open and close. I use the locks with the 3 numbers( Masterlock) or important locks, never do mixture. Takes too much time to open.Before I began locking my equipment down, I'd equipment taken from my truck. Afterwards, my trailer was taken even being secured. Lawn equipment is taken a whole lot. More than you probably feel. The length of time do you think it will take to drive past a vehicle and steal a $500 blower? About 5 seconds. Thats a $100 a second.When wanting for insurance there are 2 classifications.* Insurance agents- Usually represent 1 company* Insurance brokers- Represent numerous companies.I like dealing with agents given that they are on your side and shop several firms for quality and cost Lawn Care Company in Kannapolis NC. Often get 4 or 5 quotes because rates can vary greatly.Best of Luck!