Florida Landscaping Contractors Insurance

Florida is a beautiful state with luscious greenery and native trees, all requiring expert care. Whether you are designing landscape for multimillion dollar projects or renovating a residential home, Florida Landscaping Contractors are in high demand. From the general liability coverage to the commercial auto insurance, it is important to have the right policy to meet your needs. The experts at Barbee Jackson Insurance can help design a policy to meet your specific needs.

The specific needs for Florida Landscaping Contractors Insurance means it is important to have a custom policy structured around your business. The biggest complaint we see from Landscaping Contractors is that they have a hard time finding a policy that can cover all the equipment. For example, many landscaping contractors have many vehicles from light trucks to heavy tractor trailers. As they expand into the larger vehicles, their current policy will not allow them to be added. At Barbee Jackson Insurance we work with a variety of commercial auto carriers who can handle all vehicles, from small to large. Some of the other coverages that are important to customize are listed below.

Eligibility Requirements

• New Ventures Accepted
  
• Deeply Discounted Rates for Existing Business with Prior Insurance
  
• Lawncare Only
  
• Landscaping
  
• Tree Trimming and lawncare
  

In addition to customized coverage, Barbee Jackson Insurance offers superior customer service. Certificates of Insurance are treated with the highest priority and returned within five minutes during normal business hours. We also offer loss mitigation services to help identify areas for potential claims, therefore improving or maintaining a clean loss history. This is crucial for lower rates. If you do have a claim, we are there to walk you through the whole process and provide help every step of the way.

Coverage Options - General Liability

What Does General Liability Insurance Cover?

General liability insurance typically covers bodily injury or property damage caused by your landscaping and lawn care services. This can include damage caused by falling trees or branches, damage caused by landscaping equipment or vehicles, and injuries caused by slips, trips, or falls on job sites.

In addition to bodily injury and property damage, general liability insurance can also cover other types of damages, such as advertising injury and personal injury. This coverage can protect your business from financial loss if you are sued by a third party for these types of damages.

Why do Landscapers Need General Liability Insurance?

Landscaping and lawn care services involve a variety of potential risks, including the use of heavy machinery, the use of chemicals and pesticides, and the risk of accidents or injuries on job sites. General liability insurance can help protect your business from financial loss if you are held liable for any of these risks.

Other Coverage Options 

Property Insurance
Property insurance covers damage to your business property, such as your office, tools, and equipment. This type of insurance can also cover the cost of repairs or replacement of your property in the event of fire, theft, or other covered perils.

Inland Marine
Inland marine insurance covers your equipment and tools while they are being transported to and from job sites. This coverage can protect you from financial loss if your equipment is lost, stolen, or damaged during transportation.

Commercial Auto Insurance
Commercial auto insurance covers the vehicles used in your landscaping business, including trucks, trailers, and other vehicles. This coverage can protect you from financial loss if your vehicle is involved in an accident or if it is damaged due to theft or vandalism.

Workers' Compensation Insurance
Workers' compensation insurance covers your employees if they are injured on the job. This coverage can pay for medical expenses, lost wages, and other costs associated with a work-related injury.

Performance and Bid Bonds
Performance and bid bonds are types of surety bonds that are commonly required for landscaping contractors bidding on government contracts or large commercial projects. A bid bond guarantees that you will enter into a contract if you are awarded the job, while a performance bond guarantees that you will complete the work according to the terms of the contract. These bonds provide financial protection to the government and commercial projects and ensure that you will fulfill your obligations under the contract.

Q & A

What are Certificates of Insurance?

Certificates of Insurance (COI) are documents that provide proof of insurance coverage to third parties, such as clients or contractors. They typically include information about the type and amount of insurance coverage you have, as well as the policy number and the name of the insurance carrier.

Why do I need Certificates of Insurance?

COI are often required by clients or contractors as a condition of doing business with them. They provide assurance that you have the necessary insurance coverage to protect yourself and others in the event of an accident or other unforeseen event.

How do I obtain Certificates of Insurance?

At Barbee Jackson Insurance, we provide COI to our clients free of charge. Simply contact us and let us know what information you need to include on the certificate, and we'll take care of the rest. All this is done in 5 minutes or less during normal business hours.

How are general liability rates determined?

General liability rates are typically determined based on several factors, including the type of business you operate, the size of your business, and your claims history. Other factors that may affect your rates include the types and limits of coverage you choose, your location, and the level of risk associated with your business operations.

How much general liability coverage do I need?

The amount of general liability coverage you need will depend on several factors, including the size of your business, the types of services you provide, and the level of risk associated with your business operations. Our team of insurance experts can help you determine the right amount of coverage for your specific needs.

Florida Landscaping Contractors, don’t spend any longer with the wrong coverage or inadequate service. Let the experienced agents and staff of Barbee Jackson Insurance help support your business.

Make the call today for a Free, Comprehensive Insurance Review (850) 389-2001