Commercial Landscaping Ideas For Your Local Business

Do you own or operate a local business? Are you fed up with your outdated or ugly looking commercial landscape design? Here we will look at some great ideas to improve, update, and capitalize on your landscaping to improve your relationship with the community, clients, and potential customers. It is no mystery that local businesses can suffer if they have an unprofessional look or atmosphere by an outdated lawn, walkway, or lighting fixture. Let’s see some ideas.

1. New Walkway Pavers

Having a clean and inviting walkway can be one of the make or break reasons a person will enter your business. If the stones are old and cracked or the pathway is simply blocked by obstacles and overgrown, you will be hard pressed to win any business over based on looks alone. This can be a huge factor in gaining and keeping new business down the road, after all, a first impression is extremely important to someone looking to buy goods or services.

2. Commercial Lighting

Not only is the path and landscape important, but also any lighting fixtures or systems you have incorporated into your landscape as well. Many businesses are open early in the morning or at night when it is dark out, and by having a professionally installed and maintained commercial lighting, you’re able to show customers the way no matter the time of day.

3. Lawn and Garden Maintenance

Here is where you can start to get pretty creative regarding your commercial landscape design. Have a local expert plant trees, bushes, shrubs, and flowers to really enhance your commercial space. Everyone can appreciate a well designed and maintained yard and garden at home, and at your place of business is no different. Take the time and plan a new theme or design and contact a local landscaping service to see what sort of options are available to you, no matter the time of year.

No matter what design or method you choose to update your commercial landscape design, be sure to conduct your own research independently into the wide range of themes, styles, and even companies to utilize in your local area. With even just a few minutes of research you can ensure you work with a reputable company and see the best commercial design on your budget.

summary: Commercial Landscape design can make or break any business. Here we look at several options to improve your businesses outdoor decor.

Risk Management and Your Commercial Insurance Policy

Looking for a way to save on your business insurance policy? Commercial institutions that are proactive about risk management face less exposure risks in terms of losses, damages and the liability for them. Moreover, insurance companies are more prone to offer savings and discounts to those companies and non-profits that are involved in risk control.

Before implementing risk control, however, it is extremely important to know the basic risk-management principles that include the following:

1. Never risk anything more than you can afford to lay bare. In the event a given loss would cripple your company, don’t accept the risk. Rather, transfer that risk to someone else.

2. Never risk too much for an excessively low return. To understand the point, here’s an example: by accepting a higher level of deductible on your auto insurance coverage, you may receive only minimal premium savings.

3. Understand the odds of a loss. If the potential for a given loss seems remote, it stands to reason that you may be able to address the exposure a different way than if the potential is more common.

In short, it is necessary for you to comprehend how much money, time and equipment is actually at risk. Only then can you determine if you can afford to assume the risk of losses yourself or transfer it to somebody else. And then you must make it a priority to understand where frequent or serious losses are more apt to come from – and address them accordingly.

Once you have understood this, choose form these four risk management methods:

• Eliminate the exposure. Stopping the sale or distribution of alcoholic beverages in your social hall is an easy way to eliminate your liquor law liability exposure.

• Take on the risk yourself. Insurance deductibles are the perfect example of assuming risk. If you don’t believe you will have a frequency of losses or if your company has enough financial backup, you may wish to assume a larger deductible – like $1,000 or $2,500 as opposed to a $250 deductible.

• Reduce your exposure to risk. You can do this, for example, by using a spotter whenever possible. This will not eliminate the chances of an accident. However, it will reduce the likelihood.

• Transfer risks. If a risk exposure cannot be reduced or eliminated and assuming it is too risky, then you should transfer the exposure to a 3rd party. While it’s true that insurance is the most common method of transfer of risk, it is by no means the only one. A different method that is commonly used is a hold-harmless agreement or an indemnification clause found in a contract.

To understand more on the topic, contact an experienced independent insurance agency that deals with the leading companies in the industry.

Coin Operated Dry Cleaners and Laundry Businesses: Your Insurance Coverage

So, you own a coin-operated dry cleaning or laundry service! Welcome to the exclusive club of unique perils associated to property and commercial liability risk exposures.

Because of all the distinct risks, it is difficult to locate a business insurance policy that will cover you. As a matter of fact, many standard insurance underwriters shy away from indemnity related to your industry.

No need to fret, though. It is much easier to find a tailored insurance policy with those that underwrite it as a specialty insurance program.

Here’s way the coin-operated dry cleaner and laundry businesses are placed among the difficult to insure business classes.

First off, let us examine the property risks. Oftentimes, this type of business has no staff on site or is poorly staffed, leaving it with no supervision or little on-site management, resulting in much more exposure than most standard or typical business you may come across.

This is precisely the reason why losses caused by fire and explosions from flammable cleaning agents are more likely to occur and why the exposure to vandalism and or malicious mischief is so heightened. It is also the reason for the raised risk in burglary and theft.

Now let us turn our attention to the commercial liability risks that exist. Why is there an increased in commercial general liability in the coin-operated dry cleaner or laundry business?

Ready? Here we go with the fact check.

The industry’s commercial general liability risks incorporate some uncommon perils. They can include:

• The risks in relation to flawed and careless equipment management

• The exposure in regard to inadvertent leaking of poisonous exhausts

• The hazards that naturally come along with unsupervised children and young adults.

Some insurance companies have undertaken to produce packaged coverage for those in the coin operated laundry industry. But as time goes on the exposure increases for those businesses that have joined the bandwagon in attracting customers by offering use of tanning beds, selling alcoholic beverages and other incentives to stepping into their location. Obviously, this adds to the unease of the insurance companies.

Want to learn more on the topic? Be sure to connect with an experienced independent insurance agency that deals with your niche of the business as it relates to customized coverage.

For further information about insurance for the coin-operated dry laundromat and dry cleaner, speak to a qualified independent agent that has the experience and knowhow involved in related coverage. Don’t forget to ask any questions you have. Get the answers that will empower you to make the right decision. And don’t worry about bothering the agent. The true professional views an educated consumer as an asset to his or her service.