The Landscaping Insurance Program: An Overview

The landscaping insurance is one of the essential insurance programmes for the landscape services and landscape architectural services industries. This insurance scheme offers a good coverage line up for all the possible hazards and accidents related to this work field. In order to understand this particular insurance program in detail, one has to know what the landscape services industry consists of, what are the advantages of the landscape insurance program, and what are the things that come under the coverage line up provided by this program.

The landscape services consist of the establishments that are primarily concerned with providing services related to landscape care and maintenance. This kind of service also includes the installation of trees, plants, shrubs, lawns, and even gardens. This service also consist of establishments that are engaged in providing designs of landscape plans and the construction or installation of walkways, walls, fences, decks, ponds, and many such other constructions.

There are a good number of advantages that come along with the landscape insurance program. Some of them are as follows. The landscaping insurance program offers a coverage package that includes workers' compensation, as well. This particular insurance scheme is available in all states. The application process of this insurance scheme is very easy and customer friendly. The rates of this scheme are affordable because they are decided after the competitive rates available in the market, in different states. The program also offers experienced in-house underwriting. The services offered are highly satisfying for the customers.

The landscape service providers and the landscape architectural service providers need to know about the coverage line ups so that they can decide how far the landscape insurance program can help them out in the possible crises related to their professions. Apart from the general liability, other things that are included in the coverage line up are business auto, specific elements of the property, inland marine, crime and workers' compensation.

The general liability includes a lot many factors that are covered under this particular insurance program. The general liability coverage provides protection against the accidental destruction of the wrong tree, spraying the wrong property and also for over-spraying. It also includes per job aggregate and blanket additional insurance. It delimits the job site pollution and covers damage caused by herbicide and pesticide. It also provides coverage for crane. The employee benefit liability is also included under the general liability coverage of this unique insurance program.

The coverage of business auto includes Hired Autos and Autos that are not owned by anyone, and also Auto pollution Broadening Endorsement. The coverage under this scheme also extends to include Drive Other Car Coverage.

The Landscaping Insurance scheme is immensely necessary for the landscape service providers, as well as, the landscape architects for it has a huge coverage line up that covers and provides protection against almost all the possible accidental crises related to this field. What is more interesting and beneficial is that, it also allows necessary coverage extension programs if and whenever required by the customers.

To know more about New Jersey contractors insurance and to gain some insightful knowledge on New Jersey Insurance Agency then visit our website.

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Unique Policies and Effective Coverage for New Jersey Contractors

New Jersey Contractors Insurance offers insurance to contractors of various fields and professions. Because of the varied professions, it is difficult for the insurance providers to decide upon a particular insurance scheme for all the professional contractors. This is why, the insurance programs are tailor made specifically for a client contractor keeping in mind his/her specific requirements and necessities and possible risks involved in his/her profession. The result is that, you get a personalised insurance program for your unique requirements.

No two professions are the same. Varied professions have varied requirements and varied risk factors. New Jersey contractors Insurance program offers itself to contractors of such work fields as Air Conditioning, Refrigeration, Carpentry, Plumbers, Plumbing Contractors, Cable or Communications Equipment, Excavation Contractors, Glaziers, Glass Installation, Grading Contractors, Home Builders, Electricians, Electrical Contractors, Floor Covering Installation, Insulation, Commercial General Contractors, Landscape Construction, Mechanical Contractors, Irrigation, Lawn Sprinkler, Paving Contractors, Lawn Maintenance, Masons, Masonry Contractors, and many such other professions.

In order to accomplish a suitable insurance program for each of their clients, the insurance agents of this company survey each of their client’s properties, liabilities, and auto risks to determine each of coverage line up. Then only a unique insurance program is prepared for each client. Client satisfaction is one of their primary concerns, and clients are bound to get satisfied because of the personalised insurance policies made solely for each of them.

The insurance coverage includes Commercial General Liability, Tools and Equipment, Builder’s Risk, Workers’ Compensation Plans, Umbrella Liability, and Business Auto.

The Builders Risk Policy is applicable to new constructions as well as to renovations and remodelling of existing buildings. An umbrella liability policy usually takes over where the business auto policy stops. It provides defence coverage to pay large judgments. A commercial umbrella liability policy can also provide an additional level of protection through insurance to handle major losses and damages.

Some of the highlights of the New Jersey Contractors Insurance program are Competitive Premiums, 24/7 phone services, internet account access, Specialized Loss Control services, extensive experience, efficiency and professionalism on the part of the insurance agents for prompt answers to questions or problems raised by their clients belonging to varied job fields, Internet security to protect the privacy of each of the client’s insurance program and premium given by them, good exposure and access to many a financially sound and reputed insurance companies. It is noteworthy that each of the coverage programs is subject to certain policy definitions, limitations and exclusions depending on the nature of policy and the nature of the claim. The company offers its policies on either an occurrence or when a claim is upheld by a client. The claims can be based on a single policy or may be based on a combination of more than one policy taken together as a commercial package.

Stay protected against all odds and risks involved in a contractor’s profession. New Jersey Contractor’s Insurance brings in just the right policies at just the right time for the resident and working contractors of New Jersey and the surrounding areas.

To know more about NJ contractors insurance and to gain some insightful knowledge on Landscaping Insurance then visit our website.

This contect has been taken from http://insurance-nj.weebly.com/1/post/2013/01/unique-policies-and-effective-coverage-for-new-jersey-contractors.html