Do you own a pesticide company? Perhaps you provide lawn care services to customers. When you operate a business that uses toxic chemicals, it is critical to have the proper insurance in place. This helps to minimize risks. When it comes to pesticide damage of any type, work closely with your agent to know you have the right coverage. What do you need to consider here?
Be Accurate About the Services You Provide
When meeting with an agent, be sure you discuss the specific type of operation you run. This defines the type of general liability insurance you need. Liability insurance covers other people. It applies when your company makes a mistake, and the other party suffers a loss. In this case, it could be the application of the wrong pesticide. They could suffer damage to their lawn. You might want your property damage liability insurance to cover your losses.
When writing a policy for you, the insurance underwriters need to know the total scope of all risks. This includes risks associated with pesticide use. Be sure to read through the entire policy. This includes the exclusions.
Why Exclusions Matter
Some types of general liability insurance list exclusions. These are specific types of risks the policy does not cover. Toxic chemicals and pollution risks are two areas of concern. Some policies exclude this. If it does, you have no coverage for pollution.
If you see an exclusion like this in your policy, discuss it with your agent. Pesticide damage is something that could happen within your commercial practices. Therefore, your policy should have coverage for it. If it does not, discuss adding a rider onto the policy to provide protection.
When Does It Apply?
Another discussion to have with your agent should cover when this type of coverage applies. Recognize that your business happens at various locations. As a result, any type of pesticide insurance needs to provide coverage any place you do business. More so, it needs to cover a wide range of property sizes and risk factors. Be sure your agent works with you on this.
Getting the right amount of general liability insurance can be difficult. In high-risk businesses like this, adding on additional coverage is sometimes best. It can offer a wide range of benefits to you. It also can give you some peace of mind. Knowing your business has protection allows you to continue to operate without fail. However, it is up to you to check your policy. Know its limitations.
Looking for more answers? Call Bromell Agency at (318) 251-1212 for more information on general liability insurance.