commercial

Commercial Insurance and Landscaping Companies

Posted on by agentinsure

Landscaping companies know there are always risks on the job. Employees can get injured using equipment. A new worker can accidentally run over a surprisingly expensive garden gnome with the walk-behind. Commercial insurance in Chandler, AZ, can help you deal with these issues and ensure compliance with the law.

Types of Insurance

There are various types of insurance available. Commercial insurance is an umbrella term that refers to any insurance policy purchased by a business. It’s essential to understand the various types that a landscaping business may need to be adequately covered. 

Workers’ Compensation

Most businesses with at least one employee are legally required to obtain workers’ compensation insurance. This will help cover lost wages and medical bills if an employee is injured on the job. 

Commercial Auto

Any vehicle being driven for work will need a commercial auto policy. If you have standard car insurance, and your insurance company finds out you use the vehicle for work, they can deny claims or cancel your coverage. An agent at San Marcos Insurance Group can help you learn more about switching from a standard to a commercial auto policy. 

Liability

A general liability policy can help cover damages you may be liable for. It can also help you if someone files a lawsuit against your business. Without general liability insurance, you’ll have to pay for damages with your money. You may be forced to close your business if you don’t have the money to keep it running and pay for the judgment against you. 

Landscaping companies also need to insure their equipment. Our experienced agents at San Marcos Insurance Group can help you learn more about different types of coverage. Contact us to discuss what your business needs. We’re currently serving the Chandler, AZ, area. 

Using Endorsements to Cover Difficult Aspects of Your Commercial Property

Posted on by agentinsure

A commercial insurance policy provides essential protection for your business operations, but sometimes its coverage can be too broad or not comprehensive enough to address specific needs. At San Marcos Insurance Group in Chandler, AZ, we understand the challenges businesses face when trying to secure the right insurance coverage. Here’s how endorsements can help customize your policy.

Coverage for Non-Standard Elements of Your Commercial Property

Insurance coverage for commercial property is vital to protect against liability situations that could harm your business. However, some properties have unique features or aspects that are not covered by a standard policy. Adding an endorsement to your original policy ensures that these specific elements are protected.

How Endorsements Customize Your Commercial Insurance Policy

An endorsement attached to your existing commercial insurance policy allows you to benefit from both the original policy and the added coverage. You can file claims under the original policy for standard coverage, while the endorsement provides protection for specific aspects of your property that wouldn’t be covered otherwise. This customization ensures you won’t face unexpected out-of-pocket expenses.

Learn More About How Endorsements Protect Your Business

At San Marcos Insurance Group in Chandler, AZ, we understand that some businesses require additional coverage beyond what a traditional commercial insurance policy offers. We’re here to help you learn more about endorsements, how they work, and how they can address the unique aspects of your business. Contact us today to speak with an agent and find the right coverage for your needs.