Landscape artisan contractors are those that are involved in a variety of decorative actions that intends to modify the visible attributes of land, or the preservation of decorative shrubs, trees, and soil around residential and commercial areas. Landscaping could include work on the gardens, styles of natural elements, objects, or abstract elements such as lights.Landscaping contracts can be classified in another way, commercial or residential landscaping. They deal with garden and shrub care where use of pesticide, herbicide, and fertilizers as well as cutting stems and removing plants, as well as trimming of trees and shrubs are some of their normal activities.Landscape contractors who work with the installation and restore of irrigation systems, sodding, operating on man made land, as well as the renovation of certain environment are all types of activities which landscaper subcontractors deal with.Insurance Required by Landscaper Artisan Contractors** Landscape General Liability: Like all artisan subcontractors, landscapers require commercial general liability to cover them while working at customers locations. A landscaper artisan contractor insurance is needed to cover for their neglectful conducts while performing their job. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance providers may have specific policy coverage exceptions for damages resulting from the use of pesticide, herbicide, and fertilizers. Other companies may not cover any damages resulting from defective design of landscaping. The main factors that mold the rates for the commercial liability of artisan commercial policy are annual wages, annual receipts and nature of operations practiced.** Landscapers Artisan Contractor Business Auto: All contractors need this coverage for their vehicles that are used in the course of the business. A few smaller contractors wrongly insure their business vehicles under Personal Auto Policies (PAP), causing a great risk as a PAP will not cover the contractor if the vehicle is utilized for business applications. Garaging ZIP , ages and driving records of the drivers play critical roles in deciding the cost of the coverage.** Landscapers Workers Compensations: Workers compensation is the law. For landscape businesses who employ others and pay salaries, a workers compensation policy is compulsory. If the landscaper has many employees that do more than one type of activities (such as clerical, drivers, etc.) classifying the personnel at the time of obtaining insurance may cut down the insurance cost. Owners and officers may exclude themselves from workers compensation insurance.** Contractors Equipment and Inland Marine Coverages: Landscapers may need to additionally cover the certain tools and certain equipment they use. Also they may need to get an installation floater coverage (covers contractor's raw materials while in transit or while kept at a customer location). Furthermore, insurance for rental equipment may be necessary if there is potential losses from theft or another loss on rented tools.** Landscapers Umbrella or Excess Liability: Some larger size landscapers may need additional liability insurance for better protection or to meet legal requirements.** Contractors Property Insurance: This insurance may be required if the contractor owns a building or certain scheduled tools and equipment such as computers. The rates are based on amounts, description of property and geographical location. Getting insurance for a landscaping contractors does not have to be a challenging task. Being attentive to exclusions of the coverage is a must.
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Landscaper contractors are those that are participating in a number of decorating tasks that intends to modify the visible attributes of land, or the preservation of decorative bushes, trees, and soil in residential and commercial areas.
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