Necessity of insurance in Landscaping
The alluring blend of science and art: landscaping. Basically landscaping is modification of land with the purpose of enhancing its beauty. Landscaping is carried out since times immemorial. Gardening and horticulture are the principal terms included under landscaping. Under landscaping, natural as well as human aspects like water bodies, fences, walls etc are included. In recent times landscaping has evolved as a profitable business for creative people passionate about making the world a prettier place to live. Landscaping also maintains the commercial value of the asset and thus it is highly valued by experienced owners.
Landscaping is a small time business and requires to be insured in case of unfortunate events. It’s a must even for well experienced landscaping professionals, since in this profession many a times something goes wrong with no fault of the professionals. Lamentable happenings can’t be foreseen and thus insurance is a necessity in the business of landscaping. Since landscaping includes expensive and rare plants and flowers, insurance is cardinal and is secured by most professionals. Insuring for tools is also recommended by commercial experts. Thorough use of hazardous pesticides and herbicides are also one of the reasons why this business should be insured. Insurance policies for landscaping depend on how established the service providing firm is. However, landscaping being a rather low capital oriented enterprise; the professional should choose an affordable landscaping insurance policy with respect to his budget.
There are many factors favoring a landscaping insurance out of which the most common is the employee getting hurt and filing a lawsuit against the landscaping professional. In circumstances like this, insurance turns out as a guardian for the landscaping professional. Other woes faced by landscaping professionals include client’s pet getting sick of pesticides, client’s property getting damaged, damage caused to vehicles of the professional, and damages to grass or lawn of the client by hazardous chemicals. It is advised to consult trusted insurance agents since they are well acquainted with the local and state laws pertaining to the insurance needed and they can also further advise about beneficial policies.
The most common insurance relating to landscaping business is ‘general liability insurance’. It protects the professionals from the risks of liabilities imposed by any lawsuit. It is also termed as ‘umbrella’ policy since it shields the business more extensively when compared to primary coverage. It secures the assets and guarantees a future income. It is not protective in case of damage done by natural calamities and bad weather. Life insurance is also one of the highly appreciated insurance and should be secured by landscaping professional to ensure a decent income even in abrupt conditions. Another valuable insurance to be considered is automobile liability insurance. It guarantees a security for the professionals in case of vehicles being damaged. Additional policies by Landscaping Insurance include snow removal, pesticide applicator coverage, etc. Some even provide assurance in case of fires.
Garry Hunt is an insurance agent in www.insurance-nj.com one of the top-most New Jersey Insurance Agency. The agency offers various insurance solutions that include Restaurant Insurance,contractor insurance and others.
This article has been taken from http://www.ideamarketers.com/?articleid=3405301&CFID=206843887&CFTOKEN=20613344
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