Owners of landscaping businesses invest both lots of effort and significant financial resources in their businesses. Without proper insurance coverage, everything landscapers put into their companies could be lost in a single incident. With landscaping insurance, Massachusetts landscapers can protect their businesses and investments from a variety of potential risks.
Landscaping insurance is a form of commercial insurance that’s uniquely designed to meet the needs of landscapers and lawn care professionals. Most policies contain several coverages, which may be adjusted for a particular landscaping business’ situation.
Most businesses in Massachusetts that offer landscaping or lawn care insurance can benefit from having a lawn care policy. This includes both sole proprietors who mow only a few yards to large companies that have locations throughout the state. After all, any business that offers lawn care or landscaping services is exposed to at least some risk, and few businesses can afford to pay for a significant loss or claim out of pocket.
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:
Property coverages help insure equipment and inventory against covered losses. Some product coverages that lawn care businesses might want are:
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.
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.
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.