Auto Insurance

Joliet Illinois Insurance Leader 'Insurance Navy' Starts Offering Landscape and Auto Insurance

Landscaping subcontractors are those that are participating in a number of decorating activities that aims to modify the visible features of land, or the maintenance of decorative shrubs, trees, and soil in residential and commercial areas. Landscapers could include actions on the gardens, structures of natural elements, objects, or abstract elements such as lights.

Landscape contracts can be classified in another way, commercial or residential landscaping. They work with lawn and shrub care where application of pesticide, herbicide, and fertilizers as well as slicing branches and removing shrubs, as well as trimming of trees and shrubs are some of their usual work.

Landscaping contractors who work with the set up and restoration of irrigation systems, sodding, operating on synthetic land, as well as the renovation of certain environment are all types of works that landscaping artisan contractors deal with.


Coverage Required by Landscaper Artisan Contractors

** Landscaping General Liability: Like all subcontractors, landscapers need commercial general liability to cover them while working at customers locations. A landscaper artisan contractor insurance is needed to cover for their careless acts 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 certain policy coverage exceptions for damages resulting from the applications of pesticide, herbicide, and fertilizers. Other companies may exclude any damages resulting from imperfect design of the landscape. The main determinants of the prices for the commercial liability of artisan commercial policy are yearly wages, annual revenues and attributes of activities practiced.

** Landscaping Artisan Subcontractor Business Auto: All contractors need this coverage for their autos that are used in the course of the business. Some smaller contractors wrongly insure their business autos under Personal Auto Policies (PAP), producing a great risk as a PAP will not cover the contractor if the auto is utilized for business purposes. Garaging ZIP , ages and driving records of the operators play important roles in deciding the cost of the coverage.

** Landscapers Workers Compensations: Workers compensation is mandated by the law. For landscapers who employ others and pay salaries, a workers compensation policy is a must. If the landscaper has many employees that do more than one type of work (such as clerical, drivers, etc.) classifying the employees at the time of obtaining auto  insurance may reduce the coverage cost. Owners and officers may exclude themselves from workers compensation insurance.

** Contractors Equipment and Inland Marine Coverages: Landscapers may need to also insure the specified 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). Moreover, insurance for rental equipment may be required if there is potential losses from theft or another loss on rented equipment.

** Landscapers Umbrella or Excess Liability: Some larger size landscapers may need extra liability insurance for better protection or to meet legal obligations.

** Contractors Property Insurance: This coverage may be essential if the contractor owns a building or certain scheduled tools and equipment such as computers. The costs of insurance are based on amounts, description of property and community. Getting insurance for a landscaping contractors does not have to be a challenging task. Paying attention to exclusions of the coverage is a mandate. Ed Sneineh