Landscaping Insurance New Jersey
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Landscaping Insurance New Jersey
Landscaping Insurance New Jersey. Landscaping is a lucrative business, and its value goes beyond just giving home or business owners better views. Studies indicate that good landscaping improves air quality, protects water quality, and can even lower the crime rate in the neighborhood. Smart Money Magazine recently published a study showing that homebuyers place the value of a well-landscaped property at more than 11 percent over its asking price. Landscaping investments tend to be recouped when a seller sells his home, and homes with good landscaping tend to sell faster.
If you own a landscaping company in NJ or are a landscaper, you have many of the same concerns in regards to liability that other businesses do. Protecting your business from risks is part of being a smart business owner, since even landscapers can run into problems and find themselves on the receiving end of a lawsuit or claim. By choosing landscaping insurance New Jersey, you can provide your landscaping business with a safety net that keeps your business up and running, even if you face claims arising from property damage, injuries, or accidents.
Landscaping insurance New Jersey protects your business from lawsuits with rates as low as $77/mo. Get a fast quote and your certificate of insurance now.
Coverage Types Landscaping Businesses Should Consider
There are a few coverage types that all landscaping businesses should consider, including general liability insurance, business owners insurance, worker's compensation insurance, and commercial vehicle insurance.
General liability insurance for New Jersey landscapers and lawn care professionals provides coverage for property damage, including any damage to customers' property that you or your employees cause. Landscaping insurance New Jersey also provides bodily injury coverage to cover bodily injury or death that arises to a third party as a result of your actions or those of your employees. It may also provide products/completed operations coverage that covers completed work performed by your company or products sold by your company. Finally, it may cover injuries caused by advertising, such as when your NJ business' advertising harms another person's reputation. This type of coverage is needed to protect your business from false claims, libel, and slander.
Business Owners Landscaping Insurance New Jersey
Small landscaping businesses with revenue of less than $5 million often purchase business owners' policies, sometimes referred to by the acronym BOP. A BOP policy is structured for NJ landscaper businesses with fewer than 100 employees, and it usually includes several types of coverages under one umbrella. Business owners retain the ability to purchase added coverage if desired.
Usually, the basic coverages provided under a landscaping insurance New Jersey BOP policy include property damage insurance to cover office space, store space, garages, warehouses, and other buildings owned or leased by the business. The addition of a rider for equipment and tools may be necessary. Because landscapers often use expensive specialized equipment, standard coverage for equipment may not be sufficient. Owners should purchase as much insurance as they need to cover the cost of replacing expensive mowers and other landscaping essentials.
The landscaping insurance New Jersey policy also usually covers business income loss. If the business shuts down because of an event that is covered by the policy, the business is protected from loss of income and operating costs.
Equipment breakdown coverage usually comes with a standard BOP policy. This protection covers equipment failure due to mechanical malfunctions, power surges, and operator mistakes.
For landscapers structured as sole proprietorships where there are no employees in the business, not all of these coverage types may be necessary. Some sole proprietorships are sufficiently covered with just a general liability policy in force. A seasoned GeneralLiabilityInsure.com insurance agent can help business owners understand their needs and find policies to suit their preferences and risk tolerance levels.
Workers' Compensation Insurance and Landscaping Businesses In NJ
One important part of owning a business and hiring employees is complying with worker's compensation laws. You must generally purchase this type of insurance for workers on your payroll. It protects them from loss due to work-related illness, injury, or death.
New Jersey requires worker's compensation for all employees that are not the landscaping business owners. Worker's compensation can help pay for medical expenses related to the injury or illness caused on the job.
Commercial Vehicle Insurance and Landscaping Businesses NJ
Landscapers tend to spend a significant amount of time in their vehicles traveling between client jobs. Anytime you drive in relation to carrying out job functions, you are at risk and your business is at risk. Commercial vehicle landscaping insurance New Jersey coverage is necessary for landscapers, and those that rely on personal auto policies to provide coverage may find themselves coming up short in the event of a claim or lawsuit. NJ landscapers should make sure that any vehicles used for business are insured under a commercial policy.
Research the options that are available for your business prior to making your final landscaping insurance New Jersey purchase.
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