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I'm in the landscaping business, What type in insurance do need?

My work is typically fine gardening which is accomplished with hand tools. However, every so often we use power tools, and sometimes I hire a bobcat or tractor. All the folks that work with me I hire as contractors. So, what kind of liability, employment, disability, injury insurance if any should I have to protect myself, the contractors, and the business. Thank you!

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please pardon the typos above... this is what happens when you are burning the midnight oil :(

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please pardon the typos above... this is what happens when you are burning the midnight oil :(

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Hello! You should definitely speak with an insurance agent, find someone that you like. You need general liability insurance, inland marine (for your equipment), auto insurance (for any commercial vehicles in the company's name), property insurance (for any office or materials you keep at your office/workshop, etc.) The most important thing I will point out to you that you need to have your subcontractors enter into a contract with you. If you are hiring ANYONE in any way, you could be responsible for their property damage, construction defects or injury to a person if you do not have a contract with them stating that they will carry proper insurance and hold you harmless for their losses they cause (losses= property damage, injuries, etc.) If they don't have insurance, you'd be paying everything on their behalf. It is important because even if your insurance covers a claim, your annual premium/insurance cost would go up and you would use up your insurance limits towards someone else's mistake. Hope this helps!

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bonded insurance

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