What Coverages Do Lawn Care Insurance Policies Offer?
Since the coverages within lawn care insurance policies can be adjusted, there isn’t one list of coverages that’s found in every lawn care policy. There are, however, a number of liability and property coverages that many policies include either as standard or optional protections.
Liability coverages are generally used to help protect businesses from claims and lawsuits that are filed against them over harm they’re accused of having caused. A few examples of liability coverages that are frequently found in lawn care policies include:
- General Liability Coverage, which offers a range of protections against many common risks that businesses (including ones outside the lawn care industry) face
- Product Liability Coverage, which might offer protection if chemicals or equipment cause property damage or physical harm
- Pollution Liability Coverage, which may pay for the cleanup of chemicals that are spilled and contaminate the environment
- Errors and Omissions Coverage, which might offer protection if a landscaper gives a client poor advice
Property coverages help insure equipment and inventory against covered losses. Some product coverages that lawn care businesses might want are:
- Building Coverage, which is generally used to insure commercial buildings
- Contents Coverage, which may cover equipment while it’s on a lawn care business’ property
- Inland Marine Coverage, which might cover equipment while it’s being transported to and from clients’ locations
- Equipment Breakdown Coverage, which may help pay to repair equipment that breaks down in a covered incident
Lawn care businesses usually also need commercial auto insurance, which offers liability and property coverages for vehicles. Massachusetts normally requires businesses to maintain the state’s minimum levels of car insurance if they own vehicles that are driven on public roads.
Is Workers Compensation Coverage Included in Lawn Care Policies?
In general, lawn care policies don’t include workers compensation, disability, or health insurance. These protections typically have to be purchased through separate policies.
Can Lawn Care Insurance Be Combined with Snowplow Insurance?
In many cases, lawn care businesses that offer snowplow services during the winter are able to combine their lawn care and snowplow insurance into one policy. Many insurers offer a policy that provides coverages for both types of work, because the insurance needed for lawn care and snowplowing are similar.
How Can Landscapers and Lawn Care Professionals Get Landscaping Insurance?
Owners of landscaping and lawn care businesses in Massachusetts who would like help obtaining landscaping insurance should contact an independent insurance agent near them. An independent agent can help with coverage selection and requesting quotes, and they can then provide insight when choosing an actual policy.
