I have a landscaping/lawn maintenance business in Melbourne Florida what types of insurance do I really need?
First and foremost find a professional insurance agent that specializes in insuring this type of business. Second get an explanation of the following coverages: general liability, commercial auto, workers compensation, equipment floater and commercial property. Commercial landscapers may also be required to list clients as additional insureds on their insurance this can become quite expensive unless you have a blanket additional insured endorsement on your policy .
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.