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Lawn Care Insurance Massachusetts


What is Lawn Care Insurance?

Operating a lawn care business can be a rewarding endeavor, but it comes with potential risks. From loss of property to liability lawsuits, businesses must protect themselves from a wide range of perils. Lawn care insurance generally helps Massachusetts businesses in this line of work shield themselves from certain covered risks.

Lawn care insurance policies are commercial insurance policies that have been tailor-made for lawn care businesses and others in this industry. Policies normally are package policies that bundle multiple coverages together, and businesses frequently can select the exact coverages which are included in their policy.

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What Massachusetts Businesses is Landscaping Insurance Right For?

Generally speaking, most of the lawn care and landscaping businesses in Massachusetts ought to carry landscaping insurance. This often includes both residential lawn care companies and commercial landscapers, and some businesses that do landscaping on the side might even need the insurance.

Businesses that aren’t sure whether they need this form of commercial insurance should speak with an insurance agent who specializes in landscaping insurance. A specialized agent will be able to make an informed recommendation regarding policy selection after reviewing a business’ particular risk exposure.

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What Coverages Are Included in Lawn Care Policies?

As stated, most lawn care policies come with multiple coverages. Many of these coverages can be segregated into property protections and liability protections.

Liability protections frequently encompass both protections that are broadly applicable across many industries and ones that used in a more limited number of sectors. Depending on a business’ specific needs, these might include:

  • General Liability Coverage, which typically covers common accidents resulting in third-party injury or property damage
  • Errors and Omissions (E&O) Coverage, which typically covers mistakes made in a professional’s line of work
  • Product Liability Coverage, which typically covers injuries and damage caused by sold products
  • Pollution Liability Coverage, which typically covers harm and damage caused by chemicals (e.g. fertilizers, pesticides and herbicides)

Some of the property protections that lawn care businesses frequently need are:

  • Commercial Property Coverage, which might cover company-owned facilities and equipment
  • Inland Marine Coverage, which might cover mowers, trimmers and other equipment while they’re moved between sites
  • Commercial Auto Coverage, which might cover company-owned vehicles

(Commercial auto coverage usually also provides certain liability protections in the event of an accident.)

Along with these, businesses may also want commercial umbrella, business interruption, cyber liability and other coverages. A knowledgeable agent can help businesses determine exactly which coverages they need.

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Is Snowplowing Covered by Landscaping Policies?

Many landscaping policies can be adapted to cover snowplowing activities during the winter months, for insurance companies realize that a lot of landscaping companies also plow driveways and parking lots once the cold weather comes. Not all policies cover snowplowing, though, so businesses should review their policy’s terms and conditions carefully with an agent to determine whether they have snowplowing coverage.

Are Landscaping Insurance Policies Expensive?

Landscaping insurance policies vary in cost as premiums are based on many different factors. In most cases, however, policies tend to be affordable and almost certainly cost less than a major claim could run if no coverage is in place.

An independent agent can help businesses explore how much a policy that has the protections they need will be. Unlike most captive agents that are linked with a single insurance company, independent agents have the freedom to request quotes from multiple insurers and show businesses an array of policy options.

Lawn Care Insurance Massachusetts

How Can Massachusetts Landscaping Businesses Get Lawn Care Insurance?

For help finding lawn care insurance, contact the independent insurance agents at Garrity Insurance. Our agents can show you policy options from many insurance companies in Massachusetts, and they have the expertise needed to help you select the best available policy for your business.

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