If you are running a landscape business in Bloomfield, NJ, you need to have contractor insurance for the multiple liabilities you could face on the job. As a contractor, you are exposing yourself to a number of risks every day. You deal with heavy machinery, sometimes even heavier landscaping, and the properties of commercial and residential customers.

At E.S.T.I.R. Inc. we want Bloomfield, NJ landscapers to be protected with contractor insurance that will cover them for every emergency.

Standard Contractor Insurance Coverages for Landscape Businesses

The most common kind of contractor insurance your landscape business needs to start with is general liability insurance and commercial auto insurance. These insurances will cover you for property damages and personal injury. 

They will also cover you for your commercial fleet or vehicle that you use for transporting yourself, employees, and materials and equipment.

Extended Contractor Insurance for Landscape Businesses

In addition to basic coverages, you can apply for a business owner’s policy that will protect you from a third-party claim or lawsuit. Even a claim about a landscape product that the client didn’t like could land you in court. Things like this could be covered under commercial liability insurance.

Medical expenses may also be added to your contractor insurance. There are a number of accidents that could happen on the job to you, an employee, or a client. If someone trips over a hose or an electrical cord, or worse, the cost could be applied to you. 

Any problems that happen during your work on the landscape could put you in a legal bind that could bury your business. Contractor insurance shields you from the expense of those liabilities.

Get a Quote

When you are covering your bases for your landscape business, contractor insurance with liability coverage is a must. At E.S.T.I.R. Inc., we want Bloomfield NJ contractors in the landscape business to be protected during every possible problem. Call us for a quote for contractor insurance today. 

When you live in the Bloomfield, NJ area and are considering a new career path, becoming an entrepreneur is a great option. If you are going to start a business when you are in this area of the state, you will benefit from the great local economy and support given to small organizations. Along with starting a company, you also need to choose a quality insurance plan. There are several situations when a business owner here will need to get commercial coverage.

When Purchasing Important Assets

One situation when a business owner is going to need to have commercial insurance is when they are purchasing important assets. If you are going to purchase equipment or other major assets, you will want to know that you can replace them if they are damaged or stolen. With a commercial coverage plan, you will have the protection that you need in these situations. 

When Obligated to Carry Coverage

You may also need to get this insurance if you are obligated to carry it. There are many situations when having this protection will be necessary. If a business owner has taken out a loan, raised money from investors, or even lease a place of business, they may enter into agreements that will continue to require insurance coverage. This will ensure that you remain in compliance at all times. 

Those that are going to own or manage a business in the Bloomfield, NJ area will want to know that they are picking the right insurance plan for their situation. A great way that you can get the support you need to choose the right insurance plan is by calling E.S.T.I.R. Inc. There are a lot of factors to consider and E.S.T.I.R. Inc. can help you choose the plan that provides the ideal coverage.