Insurance For Landscape Contractors

lawn-care-643559_1280Trim, shape and manicure your business with our insurance program designed for landscape contractors providing lawn care, sprinkler maintenance and installation, and incidental tree-trimming services. Get a free quote and buy with confidence from our agency.

Coverage Design

  • Commercial Liability
  • Errors and Omissions
  • Blanket Additional Insured Endorsement available
  • Property Damage Extension (Care, Custody and Control)
  • Medical Payments Coverage
  • Pesticide/Herbicide Applicator Coverage
  • In-transit Pollution Coverage
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Computer Equipment
  • Tools & Equipment
  • Outside Signs
  • including Employee Dishonesty

Let us help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Landscape Contractor Insurance policy holders

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

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Commercial Insurance Offers Real Solutions

bigstock-Group-of-industrial-workers-I-36357172Florida Commercial Insurance 101

If you own or manage a business, you know how important it is to keep your operation running smoothly. There is nothing worse than an interruption in your business that may cause you to under deliver products or services to your customers. One very important parts of running a company, is ensuring that you have proper business or commercial insurance coverage.

What Is Commercial Insurance?

Commercial insurance is designed to protect your business from unforeseen losses like fire, theft, business income loss, and third party liability claims. There are many different kinds of coverage that can be included in a commercial insurance policy, and depending on your business, you may need other specialized coverage including:

• Property
• Business income
• Boiler and machinery
• Inland marine
• Building ordinance
• Workers’ compensation
• General liability
• Professional liability
• Automobile
• Director and officers
• Employment liability
• Cyber liability

It is important to use an agent with commercial experience to help your business find the right combination of coverage, price, and service.By having an office in North and South Charlotte County, we can provide convenient and timely service to our clients. We would appreciate having the opportunity to serve as your insurance Agent for your personal and/or business needs.

The Latest From The Equal Employment Opportunity Commission (EEOC)

The Latest From The Equal Employment Opportunity Commission (EEOC)

Bullying On The Job MeetingThe EEOC just released the latest numbers relating to employment claims, and they remind us of the need for employment practices liability insurance.

  • Retaliation was the most frequently filed charge with the EEOC in 2018, followed by race and disability.
  • Sexual harassment charges with the EEOC increased by 13.6%, based on preliminary 2018 results.
  • Monetary awards recovered for victims of sexual harassment increased by 47.4%.
  • The #MeToo movement and resulting publicity have caused visits to the EEOC sexual harassment website page to more than double over last year.

We can offer a very comprehensive and affordable Employment Practices Liability Insurance (EPLI) products. Coverage can include protection against allegations of discrimination, harassment, wrongful termination, and retaliation. Coverage can be further enhanced to include Wage and Hour and Third Party Wrongful Acts.  Get a quick quote and share with your client today.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

How To Design A Business Insurance Policy

Insurance concept risk management. Young man holding ring binder.How To Design A Business Insurance Policy

A Commercial Insurance Update

There are many insurance companies that are willing to offer you business commercial insurance coverage.  However, how can tell them apart, other than by their logo or advertising?  That is why you hire us, to help you review your risk, then design a program that fits your needs, and finally go to the marketplace and bring back the best options.  Not all insurance companies are the same.  They all offer different kinds of business insurance and services.  Here are some of the different kinds of coverage that you might consider when designing a commercial insurance program.  Each of these liability types offers protection from business-related fraud.  Purchasing several, or even all, of these policies may be necessary to fully protect your company from lawsuits.

  • Directors and Officers Insurance
  • Commercial Auto
  • Commercial Liability
  • Commercial Crime Liability
  • Property Insurance
  • Business Income and Extra Expense
  • A Commercial Umbrella Policy
  • Errors and Omissions Insurance
  • Fiduciary Liability
  • Employee Practices Liability
  • Privacy and Network Security Insurance

 

One way to make sure you get the best possible combination of coverage, price, and service is to have us help you identify the top insurers in your industry.  Other things to consider are your deductibles and limits purchased.  When selecting an insurance company allow your agent to do most of the heavy lifting.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Be Aware of Fraud During Storm Recovery

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We are moving into storm season and we wanted to remind you about contractor scam.

Prevent Contractor Scams

  • Make sure all contractors are licensed and insured.
  • Check with your insurer to see if the contractor has provided work for them in the past.
  • Never pay in cash.
  • Always ask for a quote in writing.
  • If you must, only pay a small amount up front, but also use a credit card so you can challenge payment if needed.
  • Get referrals and check references.
  • Never sign a blank agreement.
  • Make sure the contractor is licensed in Texas.

Insurance Scams

Some people have already received fraudulent computer calls saying their home insurance has been canceled and they need to make an immediate payment by credit card.  Also, be aware of people who say they are adjusters representing your insurance company and you need to pay your deductible now in order to have your claims covered.  Call our office if you have any questions regarding your claims.

Charity Scams

Many scammers are out asking you to donate money to their charity. Make sure you donate to legitimate organizations.  Donate money to charities you know, such as The Red Cross or your local church.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Common Business Insurance Questions Answered

question-mark-2492009_640 (1)There are many insurance myths floating around, and most of them have been around for years.  We want to respond to some of these myths with clear information so that you can make educated decisions about your insurance purchases.

Commercial Insurance Myths

“Having two agents is better than one because they keep each other competitive.”

Having two agents duplicates effort and can create coverage gaps and/or duplications.  For example, there is certain coverage that can be included under a liability policy as well as under an auto policy.  If you have two agents, who coordinates coverage? One agent is better able to manage your entire insurance program.

“I am covered under workers’ compensation; therefore I do not need medical insurance.”

Workers’ compensation only covers on-the-job injuries.  It does not cover off-duty accidents, illness, or other things like cancer.

“Umbrella insurance is for only large firms.”

Every business should consider an umbrella policy. Claims can come from employees, clients, and other third parties.  Defense costs range from $250 to $750 per hour on more complicated claims.

“My claim was an act of God; therefore my deductible does not apply.”

All losses are subject to your policy terms including the stated deductible.

“Earthquakes are covered under my commercial insurance.”

Earthquakes and floods are specifically excluded under commercial insurance unless you have added it.

“I can’t control my commercial insurance costs.”

There are a number of actions you can take to control your insurance costs:

  • Increase your deductible
  • Follow all loss control recommendations
  • Only report larger claims
  • Develop a safety program

We believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive insurance package that maximizes your insurance protection while minimizing money out of your pocket.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Property Insurance For Your Business

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A Business Insurance Update

Every business owns business property, and you may also own the building in which you run your operations. Property insurance protects the physical assets your nonprofit owns – such as computers, office equipment, buildings, furniture, fixtures, and other property.

Every business should have a property insurance coverage to respond to the many risks associated with property ownership. Property policies offer many unique coverages, some of which we have highlighted:

  • Building Coverage – allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster or other events, allowing you to return to normal operations.
  • Business Personal Property Coverage – covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
  • Business Income Coverage – provides for continued income or lost revenues while the building and its contents are being rebuilt and replaced. Business income helps you to cover operating and ordinary payroll expenses needed to keep an organization operating after a loss, usually for a specific time.
  • Fine Arts Coverage – includes loss or damage to artwork or sculptures housed in your building.
  • Building Ordinance Coverage – covers the increased cost to comply with building codes, ordinances or laws that have changed after your building was originally constructed. For example, under new building codes, your structure may be required to have a sprinkler system, which will increase construction costs.
  • Outdoor Signs and Property Coverage – covers costs to replace outdoor fences, signs, trees, shrubs or plants.
  • Equipment Breakdown Coverage – includes loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical machinery.
  • Computer Coverage – covers costs to replace or repair damaged hardware, software, data or media vital to your operations.
  • Back-up of Sewer – covers costs to repair or replace items damaged by back-up or overflow of a sewer or drain.
  • Earthquake Coverage – provides insurance to repair or replace damaged equipment and buildings resulting from an earthquake. Earthquake coverage is typically excluded under most property policies.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.