Falcones Insurance Agency Inc.
An independent insurance agency serving all of New York.
For over 20 years as an independent insurance agency, Falcones Insurance Agency Inc. has been dedicated to providing insurance solutions to clients throughout all of New York. We are here to work with you and understand your needs, provide world-class customer service, and help you find the right insurance coverage for yourself, your family, or your business.
From our local Peekskill, NY insurance agency, we are proud to serve clients throughout New York statewide.
We are proud to have a fully bilingual staff of insurance professionals to help every client, whether you speak English or Spanish. Contact us today to get personalized, one-on-one service for your insurance needs.
We Care About Our Clients
Check out our reviews and see why you should switch to Falcones Insurance Agency Inc.
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“It has been such a pleasure to work with Falcones Insurance Agency. I was on the hunt for new car insurance with affordable coverage, within no time they were able to send me quotes and secure me in a plan.”
– Nadia A.
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As an independent agency, we are here to help you find the right coverage.
Our entire team of insurance professionals speak both English and Spanish to help each and every client.
Affordable and Accessible
We’re here to help you find the right insurance coverage for your needs as an independent agency.
20+ Years’ Experience
For over two decades, we know what it takes to provide personalized service and insurance solutions.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Commercial General Liability Coverage
As a landscaper, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Commercial general liability insurance is an absolute necessity for every landscaper. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Business Auto Insurance
Landscapers have many exposures associated with vehicles, whether owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your landscaping business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a landscaper and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Commercial Umbrella / Excess Insurance
Losses and lawsuits are quite common. Defending these suits and paying any damages awarded can be quite costly. If your landscaping business is found to be responsible for damage or injury on a job site, you could be facing a large liability loss that exceeds the limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2 million and $10 million, and often broadened coverages. Coverage is extended over your general liability, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your landscaping business is well protected.
Hold Harmless / Additional Insureds
If you are working as a landscaper on a project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor, or subcontractor causing damage to people or property of your mutual customer.
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on the policy. This may provide you with coverage under their policy or injuries or damage they cause if you are named in a lawsuit.
Commercial Property Insurance
While much of your business is conducted on the property of others, you likely still have a base of operations that may contain tools, equipment, and supplies. When a fire, theft, or other type of disaster strikes, your business property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your buildings or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Workers’ Compensation and Employers Liability Coverage
Because your crew is working with dangerous equipment and potentially hazardous chemicals, there’s always a chance something could go wrong. If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by location, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.
Your landscaping business uses specialized equipment that’s essential to get the job done and carries a high value. If your equipment breaks, is damaged, or is stolen, you’re not able to do your job. And, because you're transporting equipment from job site to job site, there’s an even greater risk that something could happen to it.
Mechanical breakdown insurance may provide coverage in the event a piece of equipment malfunctions or stops working. Your property insurance will offer coverage for your equipment while it is stored at your location. Inland marine insurance is helpful as it covers your equipment while it is in transit between job sites.
Your landscaping business faces risks associated with the use of hazardous chemicals. These can include herbicides, pesticides, and fertilizers. Equipment may leak fuel or other hazardous chemicals. Improper use, spills, and other contamination events can result in significant injury or damage.
Environmental liability insurance may offer protection in the event of property damage or bodily injury that is the result of environmental pollutants. Your policy may provide for cleanup and restoration, defense costs if you are named in a lawsuit, and damages that may be awarded to an injured party.
Landscaping Services Insurance 101
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