Are you a landscaper looking for Contractor General Liability Insurance? Here are some tips as you begin searching for your Liability coverage. 1. Call an Independent Insurance agent that specializes in multiple companies2. Does the carrier exclude any digging or tree removal? There are peramiters you will need to discuss3. Do you need tool coverage for items that might be at risk in a trailer/truck? This is called Inland Marine Coverage and is easy to purchase4. Premiums are dependent upon # of employees typically. If you hire subcontractors, they may be 1099 contractors but did you know they can still be an exposure to your premium upon audit?5. Anticipate premiums to be from $1k to $2k per year for General Liability and $500 per year for tools coverage6. Does your company do Snow removal in the winter? Some carriers exclude this on commercial auto coverage. 7. Audit. At renewal, your account will be audited and last years exposure could cost you more premium. Good advise up front and proper estimations are the key.8. Asking the right questions and notifying the insurance carrier of all the exposures, should lead to a successful partnership with the agent and the carrier.www.rickclineagency.comwww.affordableamericaninsurance.com