In 2019, Indiana had $6,780,466,000 in commercial insurance claims paid. If you want to avoid a significant financial loss for your business, the right coverage is necessary. Landscapers insurance can be obtained in many forms.
Fortunately, an independent insurance agent can help with coverage and policy options. They will review your insurance at no cost so that you save time and premium dollars. Connect with a trusted adviser for custom quotes.
What Is Landscapers Insurance?
Liability, property damage, and employee coverages are typical insurance forms used for any business. If you own an Indiana landscaping operation, you'll need various forms of several policies to be fully protected. Check out standard insurance options for landscapers below.
- General liability
- Commercial umbrella liability
- Workers' compensation
- Business auto
- Employment practices liability
- Business property
- Business inventory
- Business equipment breakdown
- Employee-used vehicles
What Does Landscapers Insurance Cover?
In Indiana, there are roughly 512,348 small businesses in operation. When you own a landscaping company, the coverage needed will be different than another industry type. Take a look at the most used policy options for your landscaper business below.
Common perils covered under your landscapers insurance policies
Common losses that landscapers insurance will cover
- Coverage for bodily injury or property damage claim
- Coverage for business property and equipment in transit
- Coverage for hazardous chemicals used
- Coverage for your business property that is damaged due to a covered loss
- Coverage for your business inventory such as products
- Coverage for business equipment that breaks down due to a covered loss
- Coverage for employees who are injured or ill on the job
- Coverage for commercial vehicles used to operate the business
- Coverage for disgruntled employees who sue due to discrimination or harassment
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How Much Is Landscapers Insurance in Indiana?
Landscapers insurance in Indiana will cost different for everyone. The price of your personal and commercial policies is personalized and based on your data. Take a look at the criteria companies use when quoting.
- Loss history
- Experience level
- If you use chemicals
- If you have employees
- Equipment you own
- Local crime rate
- Local weather patterns
- Replacement cost values
- Insurance score
Your landscaping business premiums will vary and be unique. This is because each operation will have specific exposures that impact the rates. For exact pricing, you'll have to obtain custom quotes from an agent.
Will My Location Impact My Rates?
Landscapers insurance premiums will be affected by numerous factors. Location is one of them, and depending on if your company has a physical location or not will impact your costs. Take a look at what could affect your rates based on your Indiana territory.
- Local crime rate
- Local natural disasters reported
- Local claims reported by other insureds
- Flood zone assigned
- Property in-transit
- Radius traveled
The radius in which you travel and the type of equipment you are hauling will play a big role in your insurance costs. Some areas are safer than others and will cost less to insure. If you have a broader territory that you travel to, then your pricing will be higher.
How an Independent Insurance Agent Can Help
Your insurance protection in Indiana is important. The right landscapers policy will cover your risk for liability, property, and employee losses. One of the best ways to obtain adequate protection is through a licensed adviser.
An independent insurance agent will have access to multiple markets so that you can save with custom options. They do the shopping for free, giving you time back. Connect with a local expert on TrustedChoice.com in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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