South Carolina Landscapers Insurance

If you own a business, there are specific coverages you'll need to be adequately protected. In 2019, South Carolina had $5,928,911,000 in commercial insurance claims paid alone. Landscapers insurance can help pay for a significant loss. 

Fortunately, an independent insurance agent will have access to several carrier options, saving you premium dollars. They work on your behalf at no cost so that you get the best coverage in town. Connect with a local professional for instant savings. 

What Is Landscapers Insurance?

When you own a landscaping business in South Carolina, there are many policies you could need. From property to liability to commercial auto, your best way to stay protected is by being proactive. 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?

The primary exposures your landscaping business will have are liability losses, property damage, and employee-related claims. Your insurance will be spread over several different policies to have sufficient protection. Take a look at the most used policy options for your South Carolina landscaping business below.

Common perils covered under your landscapers insurance policies

• Fire
• Natural disasters
• Theft
• Vandalism
• Water damage (not from a direct flood loss)

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 that sue due to discrimination or harassment

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How Much Is Landscapers Insurance in South Carolina?

The cost of commercial insurance in South Carolina will vary. Prices are determined on multiple risk factors, some inside and outside of your control. Take a look at the criteria companies use when quoting your landscapers insurance.

• Loss history
• Experience level
• If you use chemicals
• If you have employees
• Equipment you own
• Location
• Local crime rate
• Local weather patterns
• Replacement cost values
• Insurance score

Not any one landscaping company is the same, which makes the coverage and premiums different. In order to obtain exact pricing, you'll need quotes from a licensed agent. The right protection is crucial if you want to avoid financial ruin. 

Will My Location Impact My Rates?

In South Carolina, there are approximately 418,031 small businesses in existence. Where each one is located will impact their insurance premiums. Take a look at what could affect your rates based on your territory.

• Local crime rate
• Local natural disasters reported
• Local claims reported by other insureds
• Flood zone assigned
• Property in-transit
• Radius traveled

Since your landscaping business does a lot of traveling, most of your costs will be based on the radius in which you operate. The amount of equipment and other items will impact your pricing as well. If you do have a physical location, flood zoning will be a factor. 

How an Independent Insurance Agent Can Help

In South Carolina, your landscaper insurance is a big deal. The proper protection can mean the difference in a loss being paid by you or the carriers. If you want to avoid paying thousands of dollars out of pocket or worse, use a trained professional.

An independent insurance agent can help review your coverage for free. They have a network of local carriers with the best policy and price options in town. Connect with an experienced expert on TrustedChoice.com to get started.