Lawn Care Insurance from Massachusetts Specialists

Roger Keith & Sons

What is lawn care insurance?

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.

What Massachusetts businesses should carry landscaping insurance?

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:

• Residential landscaping and lawn care businesses
• Commercial landscaping and lawn care businesses
• Snow removal and landscaping businesses
• Individuals who mow as a part-time gig

What coverages are available to lawn care services through landscaping policies?

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:

• General Liability Coverage, which may protect against basic accidents that cause third-party injury or property damage
• Pollution Liability Coverage, which may protect against accidental contamination of nearby areas with lawn care chemicals
• Product Liability Coverage, which may protect against accidental harm or damage caused by lawn care chemicals
• Errors and Omissions (E&O) Coverage, which may protect against errant advice that landscapers or employees give customers

Property coverages normally protect equipment and other assets against damage. Some important property coverages to consider include:

• Commercial Property Coverage, which may protect mowers, trimmers, trailers and buildings against damage
• Inland Marine Coverage, which may protect mowers and trimmers while they’re moved between customer locations
• Equipment Breakdown Coverage, which may protect mowers and trimers against unexpected malfunction
• Commercial Auto Coverage, which may cover trucks against damage and businesses in the event of an auto accident

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.

Can businesses get coverage for plowing through landscaping insurance policies?

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.

How much are premiums for landscaping policies?

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.

How can Massachusetts businesses get quotes for lawn care insurance?

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.