Lawn Care Insurance
If you own a lawn care or lawn maintenance business you may be interested in purchasing lawn care insurance to protect yourself financially. While it may not be required by law, purchasing general liability insurance is usually a good idea for most business owners. Unfortunately, many people are very quick to sue in today’s world. Granted, many of these suits are often reasonable, but it is becoming increasingly more common to see law suits over the smallest things. Most counties and cities have very small fees to file in small claims court, making it quite easy to file a suit. The best thing you can do to protect yourself against frivolous and major law suits alike is to purchase a California general liability insurance policy.
Why Do I Need Lawn Care Insurance?
Failure to purchase general liability insurance can result in some hefty out of pocket costs if a court finds you responsible for damages in a law suit. Maybe your lawnmower threw a rock and broke a stained glass window or even worse hit a passerby and they needed medical attention. In most cases the person operating the mower would be found at fault in this type of situation. If that were to happen, all costs associated with the damages or injuries would be assigned to you if you do not have California business insurance. In addition to the costs associated with the injury or damage, you will have your own court costs and may be forced to cover the other parties as well. This can all add up fast and failure to pay could result in a liquidation of your assets, or worse you may have your wages garnished. Don’t find yourself in this position, often times the cost of business insurance is much more affordable than people tend to think. Give us a call today; let us show you how great our rates are. If you do more than lawn care please see our page on landscaping business insurance.
Every business is different in one way or another, that’s what sets each one apart from its competitor. If each business is different in some way, then it stands to reason each business policy will also be different. With so many factors to consider when purchasing a business insurance policy it can be easy pass over important coverage options and concerns unique to the individual business. Here at Bains and Woodward Insurance our staff is trained to identify both the common and uncommon needs of each and every one of our clients. Once these needs are pinpointed we will work with you to find a price and package that works with your budget. Insuring your business should never be a gamble, be sure you speak with a trained and experienced agent before you decide to purchase your policy.
Why Is The Different Between Landscaping And Lawn Care Business Insurance?
It is important to note that there is a difference between lawn care and maintenance and a landscaper. Both jobs have their own unique risks and exposures, and as such each one must be rated appropriately. The rates are often quite different so be sure you decide on an agent who understands this difference, failure to do so could result in denied claims. Knowing which class code is appropriate for each risk will save you money and ensure adequate protection. Here at Bains and Woodward Insurance we understand these concepts and we have the wide array of carriers and experience to meet almost any need.
A great way to save time and money when shopping for a lawn care insurance policy is to visit an independent agent. While direct agents may be able to provide you great rates for their carrier specifically, an independent agent can offer you multiple carriers all in one location. This can save you from hours of frustration trying to locate the right policy for your business needs. In addition to the time you will save, you will also see significant savings on your rate. Here at Bains and Woodward Insurance we are independent agents who specialize in business owner’s policies as well as auto home and life. As independent agents we can compare some of the nation’s top carrier’s side by side all at one time. This approach makes finding the perfect carrier much easier. When carriers compete against one another like this, you save money.
As with any business, experience is the key to success. Here at Bains and Woodward Insurance we have insured many landscapers, lawn care and lawn maintenance businesses. We have hundreds of hours of experience working with local lawn maintenance crews, and we will put the experience to work with your policy as well. If you prefer doing business with someone who knows their job; come see us. Let our great rates and great coverage, combined with our excellent customer service prove it to you. Tell a friend about the service you get with Bains & Woodward. We can help with their business insurance as well. In fact, we can quote anything from handyman liability insurance to retail business insurance.
