Landscape Management, October 2013
Should I keep a Comprehensive Only Policy in the A offseason t Progressive well work with you to find a policy thats right for your business Just like youd go to a doctor for medical advice your agent or company should be able to help you find the right policy for your business One question we hear often is Is a Comprehensive Only policy right for me Sometimes we hear from landscapers like you about whether you need coverage during the off season since you wont need your vehicles again until next spring You might think Its better to cancel the vehicles insurance during the winter months to save some money right Actually a lot can happen to a vehicle in storage even if its covered in a garage Your work truck could be stolen vandalized or even slightly damaged and those damages could end up costing more than you might expect Its in your best interest to protect all work related vehicles regardless of whether they are in use or not Talk to your agent to identify which coverage options are right for you and your landscaping business throughout the year Instead of eliminating coverage altogether seasonal businesses can simply switch over to a Comprehensive Only policy This provides basic protection against incidents like theft vandalism falling tree branches and windstorms year round Another reason to maintain a Comprehensive Only policy is that most insurance companies want to see proof of continuous coverage when you purchase a policy So when you drop insurance completely during the off season it may seem like youre saving money in the short term but when spring rolls around youll end up paying more to get the coverage you need Seasonal businesses can save money by maintaining continuous coverage throughout the off season and it also eliminates the hassle of reinstating your policy each year Whether youre talking to Progressive or your agent were here to help you with questions about your policy It doesnt matter if you need to cover one truck multiple vehicles or all of your mowers and equipment theres a policy that will fit your needs With more than four decades of experience in the commercial auto industry we know that your time is money so we work to get you back on the road fast Progressive 747 Alpha Drive Highland Heights OH 44143 Phone 888 806 9598 progressivecommercial com 125 OCTOBER 2013 LANDSCAPEMANAGEMENT NET SUPPLIERRESOURCEPROFILES PRODUCT H igh l ight
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