While the core operations may be well-known, a hidden landscape of incidental activities can often significantly impact risk assessment.
Landscaping businesses often encompass a wide range of activities that may seem unrelated to your client's primary business operations. However, these seemingly minor tasks can introduce unique risks that require careful consideration. By delving into the details of these activities, you can better understand the risks involved and provide tailored insurance solutions.
Be sure to ask targeted questions during the quoting process to address landscape incidentals. By doing so, you can gather the necessary information to accurately classify the risk and determine the appropriate class code.
Here are some key questions to ask your landscaper clients:
- Snow Removal:
- Do you engage in snow removal services? If so, what percentage of their work is it?
- Are you responsible for clearing public or private properties?
- Tree Trimming:
- Do you offer tree trimming or pruning services?
- Are you qualified and trained in proper tree care techniques?
- Do you subcontract any tree-related work?
- Hardscaping:
- Do you provide hardscaping services, such as installing patios, walkways, or retaining walls?
- What materials and methods do you use?
- Are there any height or weight restrictions for the structures you build?
- Hanging Christmas Lights:
- Do you offer holiday lighting installation services?
- Do you use ladders or other equipment to reach elevated areas?
- Are you responsible for electrical connections and safety measures?
Understanding and addressing landscape incidentals is a crucial aspect of risk assessment for insurance agents. By asking the right questions, you can accurately classify the risks. Stay ahead of the curve and empower your clients with the knowledge and protection they need as well as tailored solutions from Victor.
Get a quote for your landscaper clients on Victor for Agents today!