After determining the insurance needs of your business and selecting BearWise Landscapers as your insurance agency, it is time to begin the process of quoting the insurance for your business. Our agents will need to gather information about your business exposures and operations. The fastest way to do this is through our online quote request form.

Once this information is obtained by our agents and they have reviewed the coverage specifications determined from the unique insurance needs of your business, our agents will create applications for your landscaping business. These applications are used to present your business exposures to the insurance carriers we access. It usually takes a couple of business days to receive final quotes from these carriers and once they are received, our agents will take the time to review each quote. The insurance coverage offered in the quotes are evaluated to confirm that each offer is correctly rated and that it conforms adequately to the desired specifications. The stability of the insurance carrier is also reviewed along with any additional coverages offered in the quotes. Final decisions are usually based on value and the goals of your business. Our agents will sometimes share multiple quotes with our clients, but we usually select the most appropriate quote to present to you.

The final insurance quote is presented to your business in a proposal that outlines the coverage offered. Our agents strongly suggest clients to ask questions regarding this final quote and others that were eliminated. Often times, the best analysis of coverage is through discussing hypothetical claim situations. When your business agrees on the final quote, there are documents that need to be signed and the insurance contract is bound between your business and the insurance carrier.

After your business enters into the insurance contract, it is also important to review the policy documents and keep in contact with our agents to discuss any changes in business operations that would affect your coverage and premium amounts. It is also important to familiarize yourself with the way the insurance carrier handles claims and the steps you need to take in the event of a claim. Always feel free to contact our agents with any questions.

We look forward to serving your business and thank you for the opportunity to establish and handle your insurance program.

The Agent Articles section of BearWiseLandscapers.com allows our insurance agents to provide practical information for landscapers. These agents can also obtain quotes and establish a custom insurance program for your landscaping business through our access to a variety of insurance carriers. This agent article is filed under (1) Insurance, and you can follow comments to it through the RSS 2.0 feed. Feel free to leave your own response below: