Three Basic Elements of Landscaping Insurance Coverage

Three Basic Elements of Landscaping Insurance CoverageThree Basic Elements of Landscaping Insurance Coverage

So you want to start a landscaping business but you are not sure where to start? There are going to be a lot of things that you are going to need to buy, lease, or finance. Some of these things will include equipment, office supplies, and perhaps most importantly, landscaping insurance in Champaign, IL. For some reason, this is one thing that frequently gets overlooked and leaves business owners scrambling. However, it is important that you are legally covered in case something happens. Here are three basic elements of insurance coverage to talk about with your agent.

General Liability

General liability is the type of coverage that comes in when someone is hurt on your property or property damage occurs as a result of your business operation or while on your property. Every policy for landscaping insurance in Champaign, IL will have at least have general liability coverage.

Equipment

Under equipment coverage for your landscaping insurance, your office equipment and any other tools used for your business are covered. Make sure to ask your agent whether your equipment will be protected in the event of damage, vandalism, or theft, or just one of the three, as many insurance options will differ and all three events may be important to you.

Coverage for Goods in Transit

Coverage for goods in transit is particularly important for any landscaping business to have because as the name implies, it covers your product while they are in transit. So if you are moving a load of baby oak trees from the nursery to a person’s home or business, and they all fall off the truck and get run over, this insurance coverage will protect you. If you think that you cannot afford insurance or that a lawsuit is not going to happen to you, think again. Having landscaping insurance in Champaign, IL is not expensive, with annual premiums being as low as just a few hundred dollars depending on the coverage options you choose.

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