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These companies are rated A- or better by A.M. Best Company, a full-service credit rating organization with more than 100 years’ experience that is devoted to issuing in-depth reports and financial strength ratings about insurance organizations. This rating is an indication of an insurer’s ability to meet its insurance obligations. So the companies are industry leaders from both brand recognition and insurance volume perspectives.

You may think that robbery or embezzlement are the most common crimes that could come your way, but unfortunately there are many more. You may also think that other forms of coverage you currently carry, like business property insurance, will fully safeguard your business income from crime-related losses. That’s simply not the case. Farmers Business Crime Insurance can help bridge those potential gaps, providing coverage for:

• Employee Dishonesty
• Money and Securities – Inside/Outside
• Money Orders and Counterfeit Paper Currency
• Forgery and Alteration

This type of business office insurance will provide protection to the business property or building from known risks.  If you work from home then you will need to have home office insurance as your home contents insurance may not cover things like your Mac or PC, printers, laptops, work mobile etc. And if you hold meetings at home then you’ll need to consider things like public liability insurance too.

What is Business Office Insurance?

Business office insurance has been created to provide ample protection to various assets of your business. This can include business equipment and machinery, and the building or property in which your business is situated. This type of insurance will cover various aspects of your business property during theft or any damage caused by explosions, fire, accident, or any other accepted act of nature. You can also opt for an additional insurance cover for office equipment and it is known as contents insurance. If you have a small business that you are running from home then it is always advantageous to have contents insurance apart from a standard homeowner’s policy.

Other Business Office Insurance Coverage

There are certain areas of business office or property that is not covered under the standard business office insurance policy. If you have such a requirement then you will need to invest in additional business office insurance plans. You can research over the internet and get free and discounted quotes from various providers on additional property insurance covers. Some of the most common type of additional business office insurance covers includes:

• Undamaged stock protection: This type of business office insurance will cover any undamaged goods or items manufactured or marketed by your business. The condition is that the insurance cover will be applicable if the goods can no longer be marketed due to damages.
• Data protection: This type of additional business insurance covers loss of important data or company and client records, which have been destroyed.
• Computer virus protection: This is a new and popular type of business office insurance, which mainly covers any loss of data due to computer viruses. Since several small businesses operate from home, and depend on computers for storing information, this is a useful insurance cover to have.

Even as a professional at lawn care or landscaping, no matter how many years of experience you have under your belt, there are times when something goes wrong and those situations may never actually be your own fault or doing. These instances may not even be able to be foreseen or even prevented by yourself―sometimes accidents just happen. The right lawn care insurance coverage or landscaping insurance coverage will help to protect you and your business through these times and can even help to keep your lawn care or landscaping business afloat even in the most severe of cases.

Situations where lawn care businesses need insurance;

• An employee gets hurt on the job and files a claim against you
• Pets or humans get sick from pesticides or herbicides applied to property
• Someone slips and falls or gets hurt in your work area and they sue you
• Damage is accidentally done to a clients property and they sue you
• A piece of your equipment gets damaged and prevents you from working
• Your van, truck, or car gets in an accident; or is hit by another vehicle while parked (most personal auto policies don’t cover your car for business use)
• You apply chemicals or fertilizers to a yard and it burns the grass
• One of your employee’s steals something from one of your clients
• Your office, workshop, equipment, or even computer are damaged by a flood, wind storm or other natural disaster (for those who work out of their home, please remember that most home owners policies don’t cover your business items)