What kind of Insurance should my lawn guy have?
Top 10 Best industrial contractors - Service Consultant Forums - There should have been an insurance claim filed for this debacle alright. and the damages to their runaway mower, covered under their Business Property coverage. However, it should have fallen on the lawn company’s General Liability coverage for the damages and repairs to your wife’s car, broken windows and lost prize rose bushes. All the while, this has been a Valuable Learning Experience and your Auto and Homeowners insurability remained protected, by not filing that claim on your policies. Their employee’s medical bills should have fallen on their Workers Compensation coverage. . . Specifically, get a copy of their Business Liability/Property and Worker Compensation coverage. Before you hire ANY contractor, ask for the credentials mentioned above. Very much like auto and home owners insurance, businesses should carry protection for when damages are incurred or caused to others under their care
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