Monday, 28 January 2013

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.

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This content has been taken from http://insurance-nj.weebly.com/1/post/2013/01/the-landscaping-insurance-program-an-overview.html

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