|
The answer to landscape gardeners
business insurance needs.
As an owner/operator of a landscape
gardening business, you have special insurance
needs. American National Property And Casualty Company's (ANPAC®)
Contractors Advantage policy is designed for businesses
like yours. It contains valuable coverage and
features for various contracting trades. And,
as an added benefit, it offers special optional
coverages to address the specific needs of landscape
gardeners.
 Property
Protection
Contractors Advantage includes
coverage for your buildings, permanently installed
equipment, outdoor fixtures (including signs)
and business personal property.
Other coverages include:
- Newly acquired property.
- Property in transit or temporarily off premises.
- Valuable papers and records, including electronic
or magnetic media.
- Money and securities on or off premises.
- Tools, equipment and building materials,
whether on or off premises or in transit.
- Property of others while in your care, custody
or control.
Loss Of Income
Your business income is paid,
up to twelve months, when your business is interrupted
by an insured peril. Contractors Advantage also
pays for certain extra expenses needed to resume
normal business operations.
Liability Protection
Liability coverage is valuable
protection in the event of suit, due to a negligent
act in the course of your business. This important
protection is an automatic feature of Contractors
Advantage, and is available in various amounts
to serve your needs.
The following items are included:
- Premises and Operations
- Products/Completed Operations
- Personal Injury
- Advertising Injury
- Fire Legal Liability
- Contractual
Special Features
In addition to the coverages
outlined here, you will also benefit from an array
of special features found in Contractors Advantage:
Replacement Cost Coverage.
Pays the cost of replacing your buildings or business
personal property with materials of like kind
and quality at current prices. Coverage on an
actual cash value basis is optional.
Automatic Increase in Insurance.
Prevents inflation from devaluing your insurance
protection by automatically increasing the amount
of coverage on your buildings each year. A choice
of percentages is available on an optional basis.
XCU - Coverage for Explosion,
Collapse and Underground Hazards.
Can include X, C, U or exclude U, XC, XCU depending
on the type of classifications.
Tools and Equipment.
Can increase coverage up to $50,000 ($10,000 per
item).
Peak Season Coverage.
Increases your limit for business personal property
automatically -- a valuable feature if your inventory
fluctuates seasonally.
Premium Discounts.
Lowers your payments with credits for qualified
security systems.
Deductible Options.
Allows you to choose higher deductibles if you
want to benefit from possible additional savings.
Payment Plans.
Spreads out your premium payments to free up capital
for current business needs.
Optional Coverages
Depending on your exact business
needs, you may want to include some of the following
coverages in your policy:
- Pesticide or Herbicide Applicator Coverage
- Hired and Non-owned Auto (available in most
states)
- Mechanical Breakdown
- Employee Dishonesty
- Employee Benefits Liability
- Outdoor Signs
- Accounts Receivable
- Valuable Papers and Records in higher limits
- Earthquake
|
Life
