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Landscaping Business Insurance Lawn care Insurance Explained
>> YOUR LINK HERE: ___ http://youtube.com/watch?v=55BXX4INTSs
You've been searching for what is lawn care insurance and the search results are in. • BriteBee CEO, Keagan Henson, is joined by Jonathan Peacock of Peacock Insurance Agency to answer all of your questions about lawn care/landscaping insurance. • So, What is Lawn Care Insurance? (0:35) • Lawn care insurance, also known as landscape insurance is designed to protect your lawn care business in the event that a bodily injury or property damage claim is filed against you because of your negligence. • What Coverages are Many Landscape Business Owners Missing? (1:10) • Many landscaping owners aren't seeing just how important workers compensation is. • What is Workers' Compensation? (1:57) • Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence. When you're in the landscaping industry, workers compensation is not something you should be without. • What are FIVE Things Lawn Care Experts Should Know About Their Insurance Policies? • 1. Making Sure Your Agent Know Your Daily Activities (2:23) • Some insurance policies can exclude things like working on ladders over 8 feet in height. If you're working on a project that requires you to work on ladders such as, trimming trees or cleaning gutters, you could be working without coverage if you are not clear about your daily responsibilities with your agent. • 2. Cyber Liability (3:07) • Cyber Liability might be the last thing on a lawn care business owners mind, however, if you are collecting clients personal information such as payment info, a cyber attack could be the end of your small business. • 3. Do Your Subcontractors Have Insurance? (3:35) • Be sure that any subcontractors you hire have given you a certificate of insurance. If they don't have their own insurance, any mishaps that happen on the property will fall on your businesses and might not be covered. • 4. Say Goodbye to Your PERSONAL Auto Insurance (4:08) • If you have a personal auto insurance policy for a vehicle you are using for your business you need to make the switch to a commercial auto insurance policy. • Learn more about commercial auto insurance here: • What is Commercial Auto Insurance? | ... • 5. Update Your Policy Every Single Year (5:20) • You may find yourself getting new mowers, vehicles or other machinery on a yearly basis. It's important to check in with your agent every year to make sure your business is continuing to get all of the coverage you need. • How Much is Lawn Care Insurance? (5:40) • General Liability has a base cost of around $600 per year. For every employee you add, you can expect an additional $500-600. • Workers compensation will likely be your most expensive coverage. In a labor driven business, you're looking at pay around 6-8% of your payroll. • How did we do? What questions do you have? • Let us know in the comments below! • Want to learn more about Jonathan and Peacock Insurance Agency? Find his links below • Website: https://www.thepeacockagency.com • BriteBee Profile: http://bit.ly/PeacockInsurance • LinkedIn: http://bit.ly/2koDK7j • Find us on our website and follow our social media: • WEBSITE: https://britebee.com • FACEBOOK: / britebeeco • INSTAGRAM: / britebeeco • TWITTER: / britebeeco • LINKEDIN: / britebee
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