Why do you Need Landscaping Insurance?

All of us love our homes and we put a great deal of effort in beautifying our homes. Very often, we spend a lot of time and money on landscaping and are justifiably proud of the results that we obtain from this landscaping. There is no doubt that landscaping adds a great deal of value to our homes. What we do need to remember is, however, that the plants that we use for landscaping are expensive and can lead to much financial loss if they are destroyed. It is for this reason that insurance companies include landscaping insurance for homes.

This landscaping insurance falls under that part of insurance that covers the householder’s personal possessions and usually covers about 50 to 70% of the total insurance cover. This means that a householder with a total policy of $100,000 would get personal possessions’ cover of about $50,000. Another clause that is part of landscaping insurance is that plants, shrubs and herbs can comprise only 5% of the total householder’s policy. To use the same example, if the total policy is for a sum of $100,000, the cover for landscaping insurance can be for only a sum of $5,000. Apart from that, in the United States of America, there are limits on what each plant or tree insured must cost. No single plant can be insured for a sum of more than $500.

The question that a proud house owner looking to insure his or her precious foliage might ask is what dangers the landscaping insurance will be able to cover. Generally, landscaping insurance covers all natural calamities but does not involve damage from wind or disease. There is no doubt that anyone who has sent a lot of money, time and effort on greening their homes would do well to get an efficient landscaping insurance. Landscaping insurance can protect your greens from a great many calamities.

However, when you do decide to go in for Landscaping Insurance, remember to go through the terms and conditions of the policy clearly. Have a long and detailed discussion with the insurance agent so that all your questions are answered and you have no doubts on any score. Also, it is a good idea to look for reviews of insurance companies and insurance policies so that you know that you are making the correct choice. There are online reviews that you can read. Furthermore, you can talk to people who have purchased landscaping insurance in the past and may have valuable inputs and feedback to provide you.

There is no doubt that landscaping insurance is a must for anyone who has spent money landscaping their homes, but it is equally important for you to be sure that you are buying the right policy. Take a good landscaping insurance after going through the lot of landscaping insurance policies available and you can be sure that you will be at peace. Then you can tend to your precious plants and shrubs and enjoy them to the fullest without feeling threatened.

Garry Hunt is an insurance agent in www.insurance-nj.com one of the top-most New Jersey Insurance Agency. The agency offers various insurance solutions that include Restaurant Insurance,contractor insurance and others.

Protect Your Restaurant With Restaurant Insurance

Insurance is one of the most important aspects of any business. Every business must be insured in order to protect it. Most people think that insurance protects only against material losses; in reality, insurance can also protect a business from lawsuits and other non-material threats.

The restaurant industry is thriving, and so is the need for restaurant Insurance. In today's market the restaurant industry is more complex than ever. Different types of restaurants from fast food to fine-dining, should be insured by an insurance agent who understands the ins and outs of their business. Restaurant insurance protects you and your business from a number of problems ranging from damaged equipment to liability lawsuits. This makes restaurant Insurance an integral part of any restaurants long-term business model.

A comprehensive restaurant Insurance policy is important for the future of any restaurant. Good restaurant insurance ensures the long life of the restaurant by protecting it against many common dangers. With time, businesses change and so should their restaurant insurance policy. More often than not, thinking about restaurant insurance is among the last thing on our minds; but ironically, while in distress, this is our first resort.

When writing your business's comprehensive restaurant insurance policy, a good insurance agent will evaluate risks your business may face and help you to be proactive to avoid potential losses. Most people who purchase insurance forget about their policy until it needs review or until they need to file a claim. However, a good insurance agent will provide you with an additional timeline of service. This can include reviewing operations and safety procedures for your staff or finding extra opportunities for the growth of your restaurant. Also, your restaurant insurance policy should be flexible. A good insurance agency will provide you many with many restaurant insurance options and programs while also ensuring your policy is within your budget.

Restaurant insurance packages consist of the following types of coverage options including property insurance (which protects the restaurant property in case of fire or any other disaster), liquor liability, general liability which protects the restaurant business if any third party falls sick after consuming food at your restaurant. Restaurant insurance also includes automobile liability, life insurance, workers' compensation, food contamination insurance, loss of business income insurance, specific peril insurance, employment practices liability, etc. Some restaurant insurance also covers employee dishonesty, forgery and alterations. All of these options under a good restaurant insurance policy guarantee damage control.

Be insured, be safe. And thrive.

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