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Do I need insurance for my lawn care business?
It's highly recommended that you get business insurance for your lawn care business. The landscaping industry in the United States has increased by 9.7% on average between 2017 and 2022, so giving your business the best protection can help keep it blooming. Having the right coverage can help protect you from potential financial losses caused by accidents, property damage or even lawsuits. It can also help build trust with your clients, showing that you're a responsible service provider. So, what types of insurance can you consider? Lawn care insurance typically combines the following useful policies: General Liability insurance General liability insurance offers protection against third-party claims of bodily injury, property damage and personal or advertising injury. For example, if a customer's poolside furniture is damaged while you're mowing, this policy can help with: Repair or replacement costsLegal fees and settlements Errors and Omissions insurance Errors and omissions (E&O) insurance, also known as professional liability insurance, covers claims of mistakes, negligence or incomplete services. For instance, if your team accidentally damages a client's sprinkler system while mowing, E&O insurance can help cover: Repair costsAny potential legal expenses Workers' Compensation insurance Workers' compensation insurance is legally required if you have any employees and can provide protection if an employee has a work-related injury or illness. For example, if an employee hurts their back while loading heavy equipment onto your truck, workers' compensation can help cover: Medical expensesLost wages Tools and Equipment insurance Tools and equipment insurance can cover your lawn care business's tools, equipment and machinery against damage or theft. For instance, if a lawn mower is stolen from your work truck, this policy can help you: Replace the equipment Commercial Auto insurance Commercial auto insurance can help if there are accidents, damages or theft involving your business vehicles. For example, if an employee gets into an accident while driving to a job site, this policy can cover: Vehicle repair costsMedical expenses Commercial Property insurance Commercial property insurance can protect physical property, such as office space, storage facilities or warehouses, against damage from events like fire, theft or natural disasters. For instance, if a windstorm damages your storage facility, this can help cover: Building repair costsReplacements for damaged equipmentBusiness interruption » Find out what lawn care landscaping tax deductions may apply to you Take a safe step with NEXT Safeguarding your lawn care business can help protect its long-term success. Having the right insurance policies in place can make unforeseen risks and liabilities easier to manage, so you can focus on providing excellent service to your clients. With NEXT, you can get fast, affordable business insurance tailored to your needs. You can view your options online and get an instant quote in less than 10 minutes. Then, get your certificate of insurance and share it 24/7 with the NEXT app.
Asked 3 months ago
Are construction companies eligible for liability insurance?
Yes, construction companies are eligible for liability insurance. Risks can occur during different stages of a construction project, so you need insurance coverage that can protect you and your business at any point. What types of construction liability insurance are available? Liability insurance is made up of general liability and errors and omissions insurance. General liability insurance for construction can protect you from financial losses in cases where you're held responsible for causing injuries to non-employees or damage to property you don't own.Errors and omissions insurance for construction can help cover repair and legal fees if your client accuses you of doing bad work, giving incorrect advice or being negligent — especially if your client experiences financial damage as a result. Benefits of liability insurance for construction companies Liability insurance is important because it can help lower out-of-pocket costs and can ultimately help protect the financial stability of your construction business. Plus, construction liability insurance can be required in certain situations. For example, your clients can insist on proper insurance coverage before allowing you to work on construction projects. Or you might need liability insurance if you want to get certain licenses and permits. » Find out what your contractor license requirements are per state How NEXT can help protect your construction company NEXT's construction insurance combines general and professional liability insurance to give you the protection you need. For an instant quote, simply answer a few questions online or reach out to our U.S.-based insurance professionals if you have any questions. Once you've bought your insurance, you instantly can access your certificate of insurance and share it 24/7 with the NEXT app. » Learn why every contractor needs a certificate of insurance
Asked 3 months ago
Does retail insurance for stores cover broken items?
Retail store insurance — also known as retail insurance — can cover broken items because it can include commercial property insurance. And this must be a huge relief. With damaged goods or store property, businesses may miss out on sales and new customers. Let's take a closer look at how retail insurance can help in the event of broken store items. How a Commercial Property policy can have you covered There are various damaged items that can fall under this policy's covered events. It can also help with issues caused by the damaged items. Some of these are: Store inventoryEquipment used to run the storeLost income Some covered events can include fire, theft, vandalism and other unexpected events. What to do if your business has broken items If your store experiences broken items, you can follow these steps: Document the damage and take pictures of the broken items.File a claim. Make sure you provide your insurer with as much detail as possible. The more thorough the documentation, the easier it can be to process your claim. To minimize the risk of broken items in your store, consider implementing some precautions. For example: Train your employees on proper handling and storage procedures for inventory and equipmentMake sure your store is organized well to reduce the risk of accidentsLook into investing in security measures to prevent theft or vandalism » Check out our retail loss prevention guide to help secure your small business Peace of mind with NEXT From business interruptions to potential injuries, broken items in your store are best avoided. And with NEXT, you can customize retail store insurance so it checks all your insurance boxes. This way, you can focus on running your store without concern. To view your options, simply apply online and get an instant quote in under 10 minutes. Once you're happy with your chosen business insurance, you can get your certificate of insurance and share it 24/7 with the NEXT app.
Asked 3 months ago
Is e-commerce insurance required by law?
No, e-commerce insurance is not required by law. But there are a few exceptions, depending on your circumstances and which state you operate in. E-commerce insurance The following policies typically fall under e-commerce insurance and can be required by law: General liability - If your online store is on Amazon, you will need this policy before you can sell. It can help with advertising injury or claims of reputational harm.Workers' compensation - Most states require this coverage if you have any number of employees. Should an employee get injured while working, this can cover medical fees and lost wages.Commercial auto - If you have a delivery vehicle, many states can require that you have this policy in place. It can cover collision repairs and medical fees. It's best to look into your specific state requirements before purchasing a policy. Other useful policies for e-commerce businesses When selling products or services, especially online, there are a few other policies that are worth considering. Commercial property - This policy is usually included in e-commerce insurance. It can help cover property damage and business interruption.Product liability - If you're accused of causing third-party harm because of a defective product you sold, this can help cover legal defense costs and settlements.Cyber liability - If your business faces a data breach or other cyber attacks, this can provide financial help and other support during information recovery. Secure your e-commerce business with NEXT Although e-commerce insurance is not legally required as a standard, it offers numerous benefits for online businesses. These include protection against financial losses resulting from data breaches, liability claims and other potential risks. Plus, it can help build credibility and give you peace of mind. With NEXT, you can view your e-commerce insurance options and tailor your coverage to your needs and circumstances. Simply apply online and get an instant quote in less than 10 minutes. You can also get your certificate of insurance and share it 24/7 with the NEXT app.
Asked 3 months ago
Does Personal Trainer insurance cover client medical bills?
Client injuries are probably foremost in your mind during personal training sessions. It only takes one misstep to cause serious damage — and that goes for both you and your client. Fortunately, if an accident does happen, personal trainer insurance can help you cover medical bills. Personal trainer coverage for client medical bills When it comes to covering client medical bills, personal trainer insurance offers two main types of coverage: general liability insurance and professional liability insurance. General liability insurance can help pay for the medical costs of someone other than an employee (e.g., your clients). If an employee gets hurt, a workers' compensation policy can help cover their medical bills. Professional liability insurance can also give you relevant coverage. Say your client suffered bodily injury because you provided improper instructions. For example, you didn't correct your client's form or suggested that they lift heavier weights than they should have in the gym. If your client accuses you of negligence, professional liability can protect you against misrepresentation and help with legal costs. » Still unsure whether you need insurance? Delve deeper into why personal trainer liability insurance is necessary Get the insurance coverage you need Because of your profession as a personal trainer, clients getting hurt during a training session is an inherent risk. So, it's essential that you have the right insurance coverage to protect your business. With NEXT, you can get affordable, customizable business insurance that can include extra policies according to your business needs. Apply online for a quote in less than 10 minutes. You'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app.
Asked 3 months ago