Contractors Advantage for Landscape Gardeners

The answer to landscape gardeners business insurance needs.

As an owner/operator of a landscape gardening business, you have special insurance needs. American National Property and Casualty Company's (ANPAC®) Contractors Advantage policy is designed for businesses like yours. It contains valuable coverage and features for various contracting trades. And, as an added benefit, it offers special optional coverages to address the specific needs of landscape gardeners.

Property Protection

Contractors Advantage includes coverage for your buildings, permanently installed equipment, outdoor fixtures (including signs) and business personal property.

Other coverages include:

  • Newly acquired property.
  • Property in transit or temporarily off premises.
  • Valuable papers and records, including electronic or magnetic media.
  • Money and securities on or off premises.
  • Tools, equipment and building materials, whether on or off premises or in transit.
  • Property of others while in your care, custody or control.
Loss Of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Contractors Advantage also pays for certain extra expenses needed to resume normal business operations.

Liability Protection

Liability coverage is valuable protection in the event of suit, due to a negligent act in the course of your business. This important protection is an automatic feature of Contractors Advantage, and is available in various amounts to serve your needs.

The following items are included:

  • Premises and Operations
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Contractual
Special Features

In addition to the coverages outlined here, you will also benefit from an array of special features found in Contractors Advantage:

Replacement Cost Coverage.
Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

Automatic Increase in Insurance.
Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

XCU - Coverage for Explosion, Collapse and Underground Hazards.
Can include X, C, U or exclude U, XC, XCU depending on the type of classifications.

Tools and Equipment.
Can increase coverage up to $50,000 ($10,000 per item).

Peak Season Coverage.
Increases your limit for business personal property automatically -- a valuable feature if your inventory fluctuates seasonally.

Premium Discounts.
Lowers your payments with credits for qualified security systems.

Deductible Options.
Allows you to choose higher deductibles if you want to benefit from possible additional savings.

Payment Plans.
Spreads out your premium payments to free up capital for current business needs.

Optional Coverages

Depending on your exact business needs, you may want to include some of the following coverages in your policy:

  • Pesticide or Herbicide Applicator Coverage
  • Hired and Non-owned Auto (available in most states)
  • Mechanical Breakdown
  • Employee Dishonesty
  • Employee Benefits Liability
  • Outdoor Signs
  • Accounts Receivable
  • Valuable Papers and Records in higher limits
  • Earthquake
   
 
   
 


American National Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield, MO

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.