When you also have equipment or operate from an office
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
Business Owners Policy (BOP) is a combination of Commercial Property insurance and General Liability insurance under one package. You can also add specialized, miscellaneous coverage to the package to streamline your premium and save more money in the long run.
Workers' Compensation insurance covers the expenses that come with your employees' work-related illnesses or injuries. It can pay for immediate costs like an ambulance ride and long-term costs like lost wages and physical therapy. Through this insurance, the employee is then relinquished of their rights to sue the employer for malpractice.
Crime-related losses are commonly not covered under your Commercial Property insurance. This is where this insurance can help. Crime insurance will cover for the loss of your money or property due to employee dishonesty, forgery, theft, securities theft, computer fraud, and other related risks.
Business Interruption insurance covers your business from the loss of income suffered after a disaster-related incident that closes your business. Income loss can be due to a fire, flood, natural disaster, and other related risks. It can also cover recurring expenses like your monthly bills and employees' salaries and the expense of moving your business to a temporary location.
This industry consists of establishments that retail garden products and supplies. Businesses may carry items such as garden power equipment, farm equipment, garden plants, and gardening tools. Establishments can include garden centers, lawn supply stores, and power equipment stores.
Garden centers and farm supply stores need insurance to protect the business from the many known and unknown risks. It makes sure that when a covered risk occurs, like a liability claim made by your client against your business, the insurance will pay for the attorney and court fees, thus leaving your business and personal assets untouched.
Opening a garden center and farm supply store comes with many risks, below are some of those:
The cost of insurance for garden centers and farm supply stores depends on the size of your business, the number of employees you own and the coverage needed. To find out the cost of your insurance for free, simply apply online or give our customer service representatives a call.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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