Lawn care insurance essentially stops you from being sued, should a customer grow frustrated with any work that you have done. At the end of the day, you need to remember that some customers are just hard to please, and in some instances, they may even demand that you pay for their medical care or even expensive plants. If you want to avoid all of this, then these tips will help you to analyse which cover you need.
Your Business Value
How much is your business worth? You really need to take out a policy that has a limit that reflects this. This will help you to make any big claims you need, and it will also stop you from making bad decisions regarding your claims. If you need some additional support with working out your business value then your lawn care insurance company should be able to help.
Deductible
A higher deductible will mean that you don’t have to pay a high premium. It does however mean that you will probably be out of pocket if the time does come for you to make a claim. If you want to help yourself here, you need to try and find a policy that offers you a low premium with a low deductible.
Other Types of Insurance
You also need to think about other related policies. This could include equipment cover, worker’s compensation, commercial insurance or even liability cover too. This is especially the case if you have one or more vans in your business. Some insurance companies will allow you to pay annually for your cover and this is great, but it will mean that you have to pay a cash sum all at once. Monthly payments on the other hand are much more flexible but you won’t be able to take advantage of the discount.
Fast Processing
When choosing your policy, it’s important that you find one that gives you a good level of coverage as soon as you have made the payment. If not then you might be operating without insurance, which is not only dangerous but also untrustworthy. If your insurance company delays with starting your cover then there is a high chance that they will delay when you try to make a claim too, and this is the last thing that you need.
Fees
Some insurance companies will charge you fees when taking out a policy, and this isn’t usually required. If you hunt down a good company then they will make the whole process as easy and as convenient as possible. Of course, a good company will also give you the chance to download or print out a certificate that shows that you are insured too, and this can go a long way when it comes to the level of trust you have with your customers and the professionalism that you have as an employer.
So, choosing a lawn care insurance provider doesn’t need to be a big, complicated experience, and if you follow the below tips, you’ll find it easier than ever before to understand what you actually need from your policy.
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