Maryland Landscapers: Looking to “Cut” Your Insurance Premiums?
Maryland Landscapers should consider Huff Insurance for your landscaping insurance protection. Imagine walking out to get in your truck and finding your trailer with all of your lawn mowers, trimmers, and equipment stolen. What would that do to your business? Do you want to pay for this or have the insurance company pay for it?
Landscaping and lawn care services vary on the services that they offer, but at Huff Insurance we can handle everything from lawn maintenance activities, to excavation, pavers and retaining walls to tree removal and snow plowing. Here at Huff insurance we match the program to meet your individual needs.
Imagine cutting the grass and a rock flying up and hitting a car parked nearby or worse, a small child. Liability claims from lawn maintenance jobs can be hundreds of thousands of dollars which is why you need general liability coverage. Liability coverage will provide you protection for property damage and bodily injury that you cause to others. It is crucial that your business has this coverage. In addition to the liability coverage we can also offer pesticide and herbicide application pollution coverage. We also have markets that can provide errors and omissions coverage for tree trimmers in case they remove the wrong tree.
In addition to general liability coverage you need to consider coverage for your tools and equipment; this is referred to as inland marine coverage. It is extremely inexpensive for $10,000 in equipment coverage the cost is usually less than $250 a year. Depending on how old your equipment is will depend on if the insurance is company is willing to offer replacement cost or actual cash value coverage. With so much of your equipment at either one job site, or one vehicle or trailer it is very easy to have a large loss and huge out of pocket expense if you do not have this protection.
Also, landscapers need to have a commercial auto policy to cover their vehicles and trailers. Remember that although the liability insurance may extend to some trailers automatically depending on their gross vehicle weight, there is no coverage on the trailer itself for comprehensive or collision unless it is listed on the policy.
Huff Insurance also has several carriers that will coordinate the workers comp insurance with your payroll company to allow “pay as you go”. We recognize that your landscaping business is very seasonal and your payrolls will vary during the policy year. That is why “pay as you go” is an ideal choice for all landscapers and lawn care professionals. When your payroll is at it’s lowest that is when your workers compensation insurance premium is at the lowest. This option for workers compensation insurance allows you better cash flow to your business.
We at Huff Insurance are here to assist you whether you are providing lawn maintenance services to lawn engineering services. We also provide coverage for Lawn Sprinkler Installers as well as Tree Trimmers and Snow Removal Contractors. Contact Huff insurance today by calling 410-647-1111 or filing out our quote request form on this page.
Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us at 410-647-1111.
Do You Hire Sub Contractors?
If so, then you need to check out our SUB CONTRACTOR INSURANCE page to see how it could affect your business insurance! Not knowing could cost you thousands of Dollars.