Landscaping Insurance in Massachusetts

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What is Landscaping Insurance?

The very nature of their work exposes landscapers to a variety of potential risks. Equipment can be damaged, employees can be injured, mistakes can be made, and any number of other things can go wrong. Without adequate insurance coverage, any these kinds of issues can leave a landscaping company financially devastated. Landscaping insurance helps landscapers in Massachusetts financially protect themselves from many of the risks they face.

Insurers and landscapers sometimes refer to landscaping insurance as “lawn care insurance” because lawn care accounts for a large portion of most landscapers’ work. This insurance shouldn’t be mistaken as only for lawn care businesses, though. Most business that provides landscaping services of any kind can benefit from the coverages and protections that this type of insurance provides.

Landscaping Insurance Massachusetts

What Coverages Are Included in Lawn Car Insurance Policies?

Lawn care insurance policies are typically written as package policies that combine several coverages together into a single insurance policy. The exact coverages included in any one policy can usually be customized to meet a particular lawn care or landscaping business’ needs, and coverages can therefore vary. Nevertheless, there are many coverages that businesses frequently choose to include in their lawn care policies. These coverages can be separated into liability protections and property protections.

Some of the liability protections that may be included in a lawn care policy are:

  • General Liability Coverage, which is a broad form of liability protection that’s used by many businesses
  • Pollution Liability Coverage, which might cover environmental contamination that’s caused by fertilizers or pesticides used by a landscaping business
  • Product Liability Coverage, which might cover damage to clients’ property that’s caused by chemicals used in landscaping operations
  • Errors and Omissions Coverage, which might cover mistakes made when giving clients landscaping advice

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Some of the property protections that a policy may provide are:

  • Building Coverage, which might cover a building owned by a landscaping business
  • Contents Coverage, which might cover equipment and supplies that are stored at a landscaping business’ facility
  • Equipment Breakdown Coverage, which might help cover unexpected equipment malfunctions
  • Inland Marine Coverage, which might cover equipment while it’s being moved between locations

Most landscaping and lawn care businesses need commercial auto insurance as well. Commercial auto insurance normally provides a combination of liability and property protections for auto-related incidents, and it can usually be included in a lawn care policy along with these other protections.

Landscaping Insurance Massachusetts

Does Lawn Care Insurance Include Workers Compensation Insurance?

Landscaping businesses in Massachusetts usually have employees and, therefore, are normally required by law to carry workers compensation insurance. In most cases, workers compensation coverage must be purchased separately from a lawn care insurance policy. Many insurance agents who are familiar with lawn care insurance, however, can also help landscapers find workers compensation coverage.

Is It Possible to Combine Lawn Care and Snowplow Insurance Policies?

Insurance companies realize that many landscaping and lawn care businesses in Massachusetts offer snowplowing during the winter months. For this reason, it’s often possible to get a combined lawn care and snowplow insurance policy. Business owners who are interested in getting coverage for both types of work should talk with an independent insurance agent.

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What Factors Affect Lawn Care Policies’ Premiums?

Insurers take into account many different factors when they calculate lawn care policies’ premiums. Some of the factors they may consider are:

  • Where a landscaping business is located
  • What area a business serves
  • How much revenue a business generates annually
  • What services a business uses
  • What chemicals a business uses
  • What coverages and limits a business wants

How Can Massachusetts Landscaping Businesses Get Landscaping Insurance?

For help finding a landscaping insurance policy, Massachusetts landscapers and lawn care providers should get in touch with an independent insurance agent who specializes in this form of commercial insurance. Such an independent agent will be able to help with assessing risk, selecting coverages, obtaining quotes and ultimately choosing a landscaping policy.

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