(888) 900 0205Auto Insurance for Landscapers
If you run a landscaping business, having the right auto insurance is a no-brainer. "Landscaper auto insurance" is designed to protect the vehicles that keep your operation moving, whether you're hauling equipment, transporting plants, or moving your crew between job sites. This coverage ensures that any business-related vehicle accidents, damage, or liabilities won't financially knock you down.
Types of Coverage
- Liability Coverage: Protects against bodily injury and property damage if your business is found at fault in an accident.
- Physical Damage Coverage: Includes collision (damage from an accident) and comprehensive (non-accident damage like theft or weather) coverage.
- Medical Payments Coverage: Pays medical bills for your driver and passengers, regardless of who’s at fault.
- Uninsured/Underinsured Motorist Coverage: Offers protection if you’re in an accident with someone who has little or no insurance.
- Hired and Non-Owned Auto Coverage: Covers vehicles you don’t own but may rent or borrow for work purposes.
How Much Is Landscaper Auto Insurance
In order to quote a landscaper auto insurance, the following information is necessary.
- Vehicle Type: Trucks, trailers, and specialized equipment can push up your premiums.
- Usage: The more frequent and long-distance your jobs are, the more you might pay.
- Driver History: Clean records help lower costs, while violations might push them up.
- Coverage Limits: Opting for higher limits offers more protection but increases premiums.