In 2019, Tennessee had $6,317,565,000 in commercial insurance claims paid alone. In order to avoid a significant financial loss, you'll want the right coverage. Landscapers insurance will protect your business from all the what-ifs.
An independent insurance agent can help with coverage and premium options that won't break the bottom line. They will do the shopping on your behalf for free, making it a no-brainer. Connect with a local expert for custom quotes today.
What Is Landscapers Insurance?
General liability, commercial auto, and more are necessary for most businesses. Landscapers insurance will be spread across various policy types. 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 Tennessee?
Tennessee has approximately 603,310 small businesses in operation. If you own a landscaping company, your insurance policies will need to be sufficient to avoid financial ruin.
Tennessee insurance will cover numerous losses. The most common perils covered under a landscaper's policy are listed below.
- Natural disasters
- Water damage (not from a direct flood loss)
As a business owner, you'll have several different exposures. Some of the most common losses that your Tennessee landscapers insurance will cover are the following.
- 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
How Much Is Landscapers Insurance in Tennessee?
Your Tennessee commercial insurance costs will vary. From workers' compensation to commercial auto, you'll have multiple policies that all have different premiums. 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
Will My Location Impact My Rates in Tennessee?
As a landscaper in Tennessee, your insurance premiums will be affected by numerous factors. Where your business is located, and the radius traveled will be one of them. Take a look at what could affect your rates based on your Tennessee territory.
- Local crime rate
- Local natural disasters reported
- Local claims reported by other insureds
- Flood zone assigned
- Property in-transit
- Radius traveled
Most landscapers don't have a physical location but travel within a certain area. Since your business is mobile, your coverage needs to account for the radius. Commercial auto rates will be the most impacted by this.
How an Independent Insurance Agent Can Help
When you've been searching for adequate protection, consult with a trained professional. With all the policies on the market today, you could be missing key coverage and not even know it. Tennessee landscapers insurance is essential to running your business.
Fortunately, an independent insurance agent can help with policy and premium options that fit your budget. They do the heavy lifting for you so that you can save time. Connect with a local expert on TrustedChoice.com to get started.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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