Tree trimmers provide a valuable service suing specialized equipment and knowledge. It can be dangerous work, though, so the right insurance is a must for any tree company. Research into tree trimmer coverages shows three types of insurance that help protect your business.
Workers Compensation Insurance
Workers’ compensation covers medical expenses and lost wages if a worker is injured in a covered accident. This means your business isn’t responsible for those costs out of pocket, and any injured workers can take time to heal fully before they return to work. Many businesses have a legal obligation to carry worker’s compensation coverage.
Accidents can happen even when you are careful and follow standard safety practices. Liability insurance will pay for damages and legal expenses related to claims made against your company. It is a key piece in your tree trimmer coverages that can help you avoid financial disaster.
Equipment Breakdown Coverage
With the highly specialized and expensive equipment needed for tree work, a breakdown can have serious consequences. After all, broken equipment leads to lost wages for you and your teams. Equipment coverage will help you get your gear repaired or replaced quickly so you can get back to work.
Work to identify and implement safety practices that can help reduce accidents, injuries and breakdowns within your business. Carry the right insurance package to help protect your tree trimming business in case one does occur.
Marijuana is now legal in either recreational or medicinal form as a licensed industry in most states. Over 30 states have some restricted access to medicinal cannabis that does not provide for a medicinal support industry. It’s clear that social and legal attitudes have changed, but for many consumers, support services like insurance are a little slower to respond. As a result, not every company has a responsive approach to coverage that a cannabis consumer needs. Some still regard it as an illegal substance, due to its federal legal status. Luckily, there are insurers who are moving to make realistic risk assessments about cannabis use, especially in light of its positive effects for patients with a select range of medical needs.
Insurance That Understands Cannabis
Buying life insurance marijuana consumer policies can mean searching a little for a carrier, but when you find one, you’ll find the industry has a range of approaches. Some providers simply treat smoking cannabis the same as smoking tobacco to simplify things, but the more responsive companies rate the client’s risk according to how much cannabis is consumed, the method of ingestion, and even whether they use is recreational or medical in some cases. That means a policy that better reflects your lifestyle, one that has costs and coverage provisions more in line with a realistic assessment of your daily risks.
If you haven’t looked into the difference between high-value homeowners insurance and traditional policies, you’re missing out on important information about extra protection for the property that is most likely your biggest asset. Today’s homeowner’s policies are designed to suit the average single-family home, but one of the joys of upward mobility is enjoying the fruits of your labor. That means for more and more people, the dream house is about more than just four bedrooms and a half-acre. If you’ve recently invested in a property with unique architecture, advanced technological features and creature comforts, or an expansive garden, you’re probably one of the people who could stand to get a quote on this specialized policy.
What Goes Into a High-Value Home Policy?
As the writers at www.mavon.com explain, high-value policies come with features that are designed to ensure you can fully restore your home to its original beauty and value, even if there are features whose replacement expenses exceed the basic coverage in the policy. Other features you will likely see in a quote include:
- Coverage for sewage and drain problems
- Accommodations covered if you need a place to stay while repairs are effected
- Cash settlement options if you choose not to rebuild
- Jewelry protection with additional limits
Learn more about what you can do to cover your high value home today.
If you are looking for insurance for a construction project, you should consider the benefits of a course of the construction plan. These insurance plans are also called builders’ risk insurance policies, and they are a smart way to protect the various aspects of your construction site in cases of unforeseen circumstances that would require replacement of materials or redoing work that had previously been completed.
What Does the Course of Construction Insurance Cover?
A course of construction insurance policies is meant to protect your company from losses at a project site. This usually occurs through reimbursement for property damages and losses. According to SB One Insurance, you can often customize your course of construction insurance policy to serve the specific needs and concerns of a particular project, and in some cases, multiple projects, but a standard policy covers the most common incidents on construction sites. A few situations that are normally included are vandalism, theft, explosions, and fires. Examples of optional additions for your course of construction plan are coverage of soft costs and losses due to legal changes or flooding. A quality insurance company will also have options for testing coverage so you are not responsible for malfunctions of machinery you don’t build but must install.
Every building project will be well served by a trustworthy cost of the construction insurance policy. With the right insurance provider, you can focus on completing your assignment without worrying about potential disasters and their costs.