3 Questions to Ask When Getting a Commercial Insurance Quote for Your Landscaping Business

Are you thinking about starting your own landscaping company in Jacksonville, TX? Before you begin servicing property owners in the 75766 zip code, you will want to make sure you have adequate insurance coverage. Here are three questions to ask when getting commercial insurance quotes for your landscaping business.

#1: What Types of Insurance Coverage Do I Need?

Owning and operating a landscaping business often requires multiple commercial business insurance policies to ensure you are fully covered. The three most common types of policies contractors in this field need are:

  • General Liability Policy: This type of policy protects you against liability claims from property owners over accidents and mishaps. Examples of this would include situations where you damage a fence with a piece of lawn equipment or accidentally kill someone's prize-winning rose bush.
  • Worker's Compensation Policy: This type of policy covers your employees medical costs and lost wages should an accident happen to them on the job. In Texas, this type of coverage is required by law.
  • Commercial Auto Insurance Policy: You will most likely have to drive from one customer's location to another. Having a commercial auto policy is key to keeping you (and your vehicles) protected while on the road.

#2: Do I Have to Have Commercial Insurance to Operate My Landscaping Business?

With exception to worker's compensation insurance, you do not have to have commercial insurance to operate your company. However, taking on that additional risk can leave you open to a personal lawsuit and significant financial loss should there be any sort of mishap while running your business.

#3: How Will My Equipment Be Covered?

A special type of insurance coverage for business property covers things like lawnmowers, leaf blowers, and other yard care specific items. This is usually obtained through a businessowner package policy (BOP) that puts together your general liability policy and personal property together.

Of course, in any situation with insurance, contacting local insurance agencies to review your exact needs is always recommended.

Choosing the Right Commercial Insurance Coverage

Home to beautiful neighborhoods in North Lanana Street and South Pecan Street, Nacogdoches, TX is one of the state’s oldest towns. The 75961 area code offers key components to state history, accompanied by a variety of town treasures. The Stern-Hoya house offers excellent locational background, and the nearby Stone Fort Museum is a common location for out-of-towners.


Prime Business Locations


The area’s location and street attributions have made it an excellent area for small and medium-sized businesses. Often, startup businesses have trouble selecting the correct “direction” as many options exist. When contacting agents for commercial insurance quotes, individuals should seek protection from unforeseen events—guaranteeing growth and scale protection.


Nacogdoches businesses deserve quality policies, and our collection of prime commercial insurance quotes makes selection easy. However, before selecting a plan, consider the following coverage components, as each may serve different businesses in different ways.


Asset and Property Insurance


If your business holds tangible assets and physical property, such coverage is needed. “Tangible” assets are touchable, and they’re often located on a company’s premises. They include:


  • Products
  • In-house equipment
  • Vehicles
  • Building materials


These assets may be protected, financially, from damage and theft, and individuals maintaining commercial insurance should query about specialized assets and property discounts.


Public and Product Liability Insurance


Public liability insurance is incredibly useful for companies interacting with external consumers. This component covers liabilities while managing personal injury, property damage and third party lawsuit claims.


Similarly, product liability insurance is an important component if you deliver or supply goods. This insurance covers a good’s cause of several possibilities, including:


  • Injury
  • Death
  • Damage
  • Expense


Commercial Vehicle Insurance


Sometimes, businesses operate automotive “fleets”. If you’re considering operating shuttle services, delivery services or contract services, commercial automotive insurance will be needed. Such coverage differs depending upon vehicle specifics, so examining different quotes is important.


Remember, not every insurance component is applicable to every business, so discussing risks and liabilities with a providing company should be considered. When utilizing our expansive database, feel free to acquire additional information pertaining to locational laws and regulations. While coverage may differ in your area, many providers offer custom-tailored plans guaranteed to protect a thriving business.




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