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Your job is critical, albeit sometimes overlooked. After all, how many people entering buildings stop to think about the coordinates and layout of the land? You’re not a land surveyor for the glory, though. You prefer to use critical thinking skills and attention to detail to deliver the highest-quality work. But what happens if you encounter problems that were beyond your line of sight?
That’s where business insurance can help.
Simply Business is an online insurance platform that makes it easy for business owners like you to find personalized, affordable coverage options. Our quote process tailors plans to your needs, from comprehensive general liability to professional liability insurance.
Plus, it takes only a few minutes to get free quotes from the country’s top insurers.
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Here are three types of insurance available to land surveyors:
Each type of policy covers different scenarios, but all insurance offers these benefits:
Latitude and longitude are where your knowledge begins, but understandably, your work hasn’t led you to learn about insurance policies and premiums.
We know that business owners have a lot on their plate and that choosing insurance can feel overwhelming. That’s why we’re going to cover the basics of the three types of policies for you to consider.
Your surveys, maps, and charts are the starting point for construction projects. That means that even small errors can have a ripple effect with expensive consequences.
For example, what if you make a mistake when noting the end boundary of a new development? Your survey for the expansion was off, and now the area is smaller than anticipated.
Your client won’t be happy, and you could potentially be sued for negligence.
A small error doesn’t have to mean the end of your company, though. Professional liability insurance can cover you and your business if your client claims that you or your business were negligent. Additionally, if you have people working for you, workers compensation insurance can cover your employees.
If you do ever face a negligence claim, your policy could help offset your legal costs and damages. Without insurance, you could be solely responsible for the entire bill. By making a strategic decision to protect your business before you need it, you could protect yourself from some potentially devastating bills.
Let’s review. Here’s what land surveyor professional liability insurance can cover:
Keep in mind that professional liability insurance usually doesn’t cover:
While professional liability insurance typically applies only to certain professions, most businesses can benefit from general liability insurance. This insurance covers more “general” claims, such as bodily injury or property damage to clients or vendors.
Here’s another scenario you could face. Suppose you’re surveying a job site when you accidentally knock over some ladders. Unfortunately, another worker was standing nearby and was hit by the ladders, causing injury and a trip to the hospital.
Without general liability insurance, you may have to pay for the worker’s medical bills and possible lost wages. If you were covered, your plan could likely help with those bills, saving your business or personal finances.
The average claim for property damage in small businesses is $30,000, which means that even small accidents could lead to big headaches. Getting coverage before you need it can mean that you get to keep your hard-earned money and grow your business.
To recap, here’s what general liability insurance usually can cover:
Now check out what general liability insurance usually doesn’t cover:
When the demand for your services outweighs the hours in a day, you may hire help. When you hire employees, even one or two part-time workers, there’s a chance you’ll need workers compensation insurance. Like most insurance types, workers comp requirements vary by state.
You can check your state laws here, or simply answer a few questions to get customized quotes based on your location and business.
Similar to the cost of claims covered by GL insurance, workers comp claims can be pricey. The average work injury cost is $41,000, with a staggering $170.8 billion in claims filed in 2018 alone, making your monthly premiums worth it.
In general, workers compensation insurance for land surveyors can cover:
Each time you survey a piece of land, you take note of the boundaries and any obstacles that could be in the way of construction. If that process is good enough for your projects, then isn’t it good enough for your business?
It’s easy to get caught up in day-to-day work, but every once in a while, you need to zoom out and think about your business strategy. That’s what you’re doing right now by even considering business insurance, and it’s a smart move.
What exactly can land surveyor insurance do for you? In some cases, your state’s laws require you to carry it. However, having insurance can protect your business from severe financial impacts, even when it isn’t required by law.
Unfortunately, 43% of small business owners polled reported being threatened with or involved in a civil lawsuit. If you found yourself in that group of business owners, you could face the price of the most common incidents that can befall small business owners:
Given your profession, you also stand a chance to be slapped with a negligence claim. Even if you didn’t do anything wrong, the price and time fighting your case in court could be daunting. By investing a little each month toward your premiums, you could save yourself from potential debt or bankruptcy.
Business insurance has its positives, too. Having a certificate of insurance (COI) could help you rent office space or earn trust from potential clients and employers.
The time it takes to get insured is outpaced by the potential benefits. So simply answer a few questions about your business, and you can compare free quotes from the country’s top insurers.
Getting a “lay of the land” is your thing, and you may have noticed a lot of insurance options and choices. Getting covered doesn’t have to be complicated, though.
At Simply Business, we make the decision to buy insurance as easy as possible. We’re one of the fastest-growing online insurance platforms, and thousands of customers trust us to help protect their growing businesses with coverage options.
So why choose Simply Business?
We’re fast and affordable. You can find and compare customized quotes in under 10 minutes.
We’re flexible with coverage. Whether you need your first COI, coverage for a new employee, or a larger plan for your growing business — we’re here to help.
We get your business. Small businesses are the heart and soul of communities, and they deserve to be treated as more than a number. Get the personalized protection you need, when you need it.
Your work affects many people, and your commitment to excellence is admirable, which is why we offer the best coverage to protect your business.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.