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When it comes to business insurance, there are minimal state requirements, and there is coverage that is tailored to individual needs to surpass legal requirements and help protect efficiently. That is where Mosaic Insurance Alliance comes in—to provide companies in various states with a needs assessment and perform a free insurance quote to see what coverage and carriers are the best fit.
It is recommended by Mosaic Insurance Alliance professionals that landscape businesses should look into additional coverage for various reasons, including that most work is done on the properties of others, the chance for injuries is high in this line of work, injuries can easily be very serious and result in expensive medical bills, and property involved can unsurprisingly suffer expensive damages. Mosaic has a landscaping insurance page that goes over different risks and coverage options outlined in an interactive insurance graphic.
When finding the right coverage, a company needs to first determine what type of business they are considered. For example, it is a necessity to find out if general gardening jobs classify a company as a landscaper, or if a company needs to perform a certain arrangement of services to be classified as such. Since different states and counties can vary in definitions of what is classified as landscaping, Mosaic recommends business owners that deal with landscaping type of work to look into specifics for their location. It is also important to know that different insurance carriers may consider different individualized factors and have different insurance requirements based on those factors. A Mosaic independent agent can help clear up business classification and investigate any needed additional coverage options.
The right coverage for a business is crucial. All kinds of things can happen on the job, especially when power tools, weather, and new territory are involved. Over the decades, Mosaic insurance agents have heard many different claims from landscaping businesses, including but not limited to injuries (i.e., employees, clients, the public, etc.); damage to private property (i.e., plants, homes, cars, garages, etc.); damage to city property (i.e., powerlines, waterlines, etc.); expensive equipment breakdown/damage; errors and omissions; chemical injury/pollution; and lawsuits from one or more of the above.
In addition to general liability insurance, common landscaping insurance includes workers compensation, business umbrella insurance, commercial property insurance, mechanical/systems breakdown insurance, business auto coverage (including comprehensive and collision coverage), and inland marine insurance. Also, the free insurance quote process that Mosaic completes for clients includes the evaluation of the need for specific endorsements to any of those policies that can help further protect the company in the case of a claim.
Good landscape business insurance policies consider many moving factors to determine optimal insurance. General liability can help protect a business from a handful of threats, but it has its limitations. Mosaic recommends landscaping companies to look at the bigger picture and treat general liability like a steppingstone on the way to getting ideal protection. As an independent insurance agency, Mosaic Insurance Alliance has commercial insurance professionals that evaluate specific situations of every company to determine the best additional coverage for the business. Factors include all kinds of things from potential risks to company size.
Being an independent insurance broker means that Mosaic can quote individuals and companies with multiple top insurance carriers. Having access to numerous carriers means that Mosaic has a wide variety of coverage options and discount opportunities. Mosaic can be reached for questions and a free insurance quote by phone at 425-320-4280 and email at commercial@mosaicia.com. Mosaic is open Monday-Friday from 8:30 am to 5:00 pm Pacific Standard Time.
Paul Pukis
Mosaic Insurance Alliance, LLC.
425-320-4263
Paul@mosaicia.com
Lynnwood, Washington
Release ID: 89020895