New York Landscaping Insurance
Are You Paying Too Much Money For Your Lawn Care Insurance?
When any other insurance agent quotes you liability business insurance coverage for your lawncare or landscaping business, they usually just go with ballpark figures for typical costs. These “guesstimates” can cause you to pay a lot more Landscaping Insurance than you really need to.
But at Putnam Record Insurance Agency, we take the time to work with you and do it right!
How Much Does Insurance Cost?
Insurance costs $100 to $1,000 and up, depending on the coverage you need. Coverage is determined by several factors:
What kind of outdoor work will you be doing?
- Basic grass cutting?
- Flowerbed weeding and mulching?
- Tree planting?
- Stone walkways?
- Outdoor lighting and sound (electrical work)?
Who will be doing the work:
- Age of workers
- Years of experience
- Tools and equipment being used
Where will you be doing the work?
- Inside city limits
- Rural areas
- Busy streets
For example, If you are working in New York neighborhoods with houses that sell for $200,000 and up then you’ll need higher coverage to pay replacement costs for items which will be more expensive to replace damaged items.
Types Of Lawn Care Insurance
There are a few different kinds of insurance
- Limited Liability – If you damage a customer’s property while you are working, for example – you are digging a flowerbed, your shovel hits a buried electrical cable, it short circuits and causes a fire, you need this type of insurance to cover damages.
- General Liability – This is a more comprehensive coverage that protects you for extended damage done not only to the customer’s property, but your own property, tools, equipment, bystanders, etc.
- Workers Compensation – If your employee gets hurt on the clock, this insurance
- Additional insurance coverage is available, for example if you work with chemical treatments, pesticides etc. Call us!
Insurance Protects You From Financial Disaster:
Think about the purpose of Landscaping Insurance: It is designed to protect your investment in your business by paying for any loses or damages caused by an accident. So when you are shopping for insurance, if all you care about is the lowest price, then you’ll be in trouble when you have an accident and you’re not covered.
Then you risk being sued in court, and you can’t earn any money while you haggle with the insurance claims department, and before you know it – you’re out of business! All your employees hate you, your family is REALLY angry, and you have to get a job flippin’ burgers just to put food on the table (probably from the dollar menu). This probably does not match your idea of what you wanted your business to be, does it?
Putnam Record Insurance Agency: Better Protection For Your New York Business
Most agents don’t know how to rate your business properly to find the maximum insurance savings. Our agents DO!
We start with you, your business, and your employees. We really get to know you and your business in depth. Then we are able to see where you can save money on your insurance, without risking losing your business because you were under-insured.
Over 3,000 customers have trusted us to provide protection for them through comprehensive insurance products and services. We are always here to help you with any questions you have about Lawn Care Insurance, we take the time to explain everything to you in a easy to understand way, so you can make the best decision.
Shop Around, Or Let Us Do The Shopping For You
You’ll hear recommendations telling you to shop around to get the best price for insurance. And it’s true that certain agents can “inflate” their rates for the same coverage with the same insurance company. Hey – somebody’s got to pay for their new Mercedes Benz! So when you shop around, just make sure you really understand what you are getting for the price you are quoted.
We really save you a lot of time when it comes to finding insurance quotes. We are an independent insurance agency, so we can shop over 12 different insurance companies to find the best value for you. And when we ay value, we mean VALUE! Not just low price, not just cheapest cost, but best value for your investment.
You can email or fax us your quotes from other agents and Putnam Record Insurance Agency will review competitors quotes and advise you if you can get a better deal.