Operating within the landscaping industry requires a sizeable investment in lawn care equipment, and investment that’s made should be protected if possible. Massachusetts landscapers may protect their equipment and their businesses from multiple covered risks with lawn care insurance.
Lawn care insurance is specialized insurance for businesses within the landscaping industry. Policies usually protect against property damage, accidents and other potential risks.
Most businesses that provide landscaping or lawn care services in Massachusetts should have landscaping insurance. Not carrying insurance can leave a business dangerously exposed to risks.
In broad terms, this insurance is generally useful to businesses such as:
Landscaping insurance policies typically make a variety of coverages available. These often include both liability and property coverages.
Liability coverages normally protect against lawsuits that could be filed against a business. Some common liability coverages include:
Property coverages normally protect equipment and other assets against damage. Some important property coverages to consider include:
Commercial auto coverage normally provides a combination of property coverage for owned vehicles, and liability coverage for businesses if their drivers cause accidents. A knowledgeable agent can help landscapers find coverage for company-owned vehicles and/or personal vehicles that are driven for work, depending on which of the options is needed.
Landscapers who provide snow removal services during winter usually can find policies that cover both landscaping/lawn care and plowing services. This is something that an insurance agent who specializes in landscaping policies can help find a policy that extends coverage to both types of work.
Premiums for landscaping policies are based on many different factors and thus vary. Coverage is usually available at affordable rates, however. An independent insurance agent can help businesses compare policies that meet their needs, in order to find out how much insurance would be.
For help insuring a landscaping business that serves customers in Massachusetts, contact the independent insurance agents at Roger Keith & Sons Insurance. Our agents have worked with many businesses in the industry, and we have the expertise necessary to help you find a lawn care insurance policy that will protect your business well.