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What sort of liability insurance does one need for a sole-proprietor landscape business?
Wiki User
∙ 14y ago
1. General Liability - including products / completed operations
2. Pollution Liability - for the use & application of pesticides, fertilizers, and other chemicals. Often can be added to the General Liability policy by endorsement.
3. Workers Compensation - if its just you, and you alone, you are not required to have this. If you hire anyone, even a "day laborer" on a cash-only basis - you really need to have this coverage to protect the worker as well as your personal assets.
4. Commercial Auto - for vehicles used in the business. Some personal auto insurers will allow "business use" to be endorsed to the existing policy for a nominal premium
The above coverage is the primary focus for most contractors, including landscapers. Other coverage you may consider are, Life, Health, Tools & Equipment, etc.
Wiki User
∙ 14y ago
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Business Liability Insurance ?
form_title=Business Liability Insurance form_header=Protect your business with the right business liability insurance for your needs. What is the annual revenue of your company?=_ Does your company currently have insurance coverage?= () Yes () No What type of business liability insurance do you need? (Check all that apply)= [] General Liability [] Workers Compensation [] Business Owners Policy (BOP) [] Property [] Professional Liability [] Business Travel [] Business Automobile
Where can a business owner purchase business liability?
A Business Owner can purchase Business Liability online at the website of Hiscox. You can go to their website and also get an online quote. You can also purchase Business Liability Insurance online at Geico. They have four Business Insurance options including Professional Liability Insurance.
Small Business Insurance?
form_title=Small Business Insurance form_header=Small business insurance is necessary to protect your company. An insurance professional can help you identify the potential risks associated with your company and customize your policy to meet those needs. Type of insurance needed:= {(),Business Owners Policy,Business Auto Insurance,Business Property Insurance,Business Liability Insurance,Home Business Insurance,Workers' Compensation,Business Umbrella Liability,Professional Liability Insurance,Directors and Officers Liability,Business Identity Theft,Group Health Insurance,Business Life Insurance,Key Person Life Insurance,Agricultural Insurance,Product Liability Insurance,Personal Insurance,Not Sure} Number of Full Time Employees=_ Years In Business=_
What are reasons that one would need to purchase business liability insurance?
Business liability insurance protects a company's assets from a lawsuit. If a business is high risk or doesn't have enough capital to cover a lawsuit, they should have business liability insurance.
Where can one purchase liability insurance for business online?
You can purchase liability insurance for online business at most insurance companies. Some of the companies that offer this are State Farm, Geico, and Allstate.
Business Liability Insurance ?
form_title=Business Liability Insurance form_header=Protect your business with the right business liability insurance for your needs. What is the annual revenue of your company?=_ Does your company currently have insurance coverage?= () Yes () No What type of business liability insurance do you need? (Check all that apply)= [] General Liability [] Workers Compensation [] Business Owners Policy (BOP) [] Property [] Professional Liability [] Business Travel [] Business Automobile
Is A property or liability insurance policy a business or liability contract?
A property is not a contract or a business. A liability insurance policy is a kind of contract but not a business. the answer is b...
Where can a business owner purchase business liability?
A Business Owner can purchase Business Liability online at the website of Hiscox. You can go to their website and also get an online quote. You can also purchase Business Liability Insurance online at Geico. They have four Business Insurance options including Professional Liability Insurance.
Small Business Insurance?
form_title=Small Business Insurance form_header=Small business insurance is necessary to protect your company. An insurance professional can help you identify the potential risks associated with your company and customize your policy to meet those needs. Type of insurance needed:= {(),Business Owners Policy,Business Auto Insurance,Business Property Insurance,Business Liability Insurance,Home Business Insurance,Workers' Compensation,Business Umbrella Liability,Professional Liability Insurance,Directors and Officers Liability,Business Identity Theft,Group Health Insurance,Business Life Insurance,Key Person Life Insurance,Agricultural Insurance,Product Liability Insurance,Personal Insurance,Not Sure} Number of Full Time Employees=_ Years In Business=_
Commercial Insurance?
form_title=Commercial Insurance form_header=Manage your risk with a commercial insurance policy tailored to fit your specific business needs. Number of Full Time Employees:=_ Currently Insured:= () Yes () No Years In Business:=_ Type of Insurance Needed (Check all that apply):= [] Business Owners Policy [] Commercial Auto Insurance [] Business Property Insurance [] Business Liability Insurance [] Home Business Insurance [] Workers' Compensation [] Business Umbrella Liability [] Professional Liability Insurance [] Directors and Officers Liability [] Business Identity Theft [] Group Health Insurance [] Business Life Insurance [] Key Person Life Insurance [] Agricultural Insurance [] Product Liability Insurance [] Personal Insurance [] Not Sure [] Other
What are reasons that one would need to purchase business liability insurance?
Business liability insurance protects a company's assets from a lawsuit. If a business is high risk or doesn't have enough capital to cover a lawsuit, they should have business liability insurance.
LLC Liability Insurance?
form_title=LLC Liability Insurance form_header=Even as a limited liability company, it's important to have protection from personal liability. Have an insurance professional create a personalized quote based on your business risks. Type of Insurance Needed:= [] General Liability Insurance [] Property Liability Insurance [] Professional Liability Insurance [] Directors and Officers Liability Insurance [] Product Liability Insurance [] Other [] Not Sure Years In Business:=_ How many total people work in your business (including yourself, owners, officers, employees, contractors, etc)?=_
Does every business owner have to have commercial general liability?
It is a good idea to consider purchasing general liability insurance for your business. General liability insurance can protect your business and give you peace of mind.
What companies provide business liability insurance?
Nationwide does offer general liability insurance as well as business liability insurance. Geico and many other insurance companies also offer liability insurance, it just might take a bit of sifting through to make sure they have what is needed.
Do I have to have liability insurance if I open a small construction business?
Yes, you are required to have liability insurance if you wish to open, and have licensed, a small construction business.
Do you have to have a business name to take out general liability ins?
A business name is not required to obtain general liability insurance for your business. It is recommended that you incorporate your business to limit your liability.
What does a business insurance agency do?
Business insurance agencies typically sell insurance policies to commercial businesses. They sell property and liability policies, employee coverage and product liability.
