We offer Landscaping Insurance coverage in Massachusetts, Maine, New Hampshire, Rhode Island, Maine, New York and Florida.
Please ask one of our agents how we can provide you with insurance across multiple states.
What is landscaping insurance?
Running a landscaping business requires significant investment, and it’s important to protect the investment that’s put into a business whenever possible. Landscaping insurance can help landscapers in Massachusetts protect their businesses from a variety of potential risks.
Landscaping insurance is a specialized commercial insurance for businesses that do landscaping and lawn care. Policies usually come with multiple coverage options that landscapers can choose from.
What businesses in Massachusetts need a lawn care insurance policy?
Most businesses offering any type of landscaping or lawn care in Massachusetts should have lawn care insurance. These policies can be adapted for a wide range of landscaping and lawn care businesses. For example, they’re frequently purchased by:
- Self-employed individuals who have full-time seasonal work mowing lawns
- Individuals who seasonally mow some lawns for a part-time or side income
- Businesses that offer comprehensive lawn care services
- Residential and commercial landscapers
Quotes Available in MA, RI, CT, NH, ME, NY and FL
What protections can landscapers get through a lawn care policy?
Lawn care policies can come with many different coverages. Some of these are liability coverages, which normally protect in situations where a landscaper could be sued for causing someone else harm. Other coverages are property protections that may insure assets a landscaper owns.
Liability coverage options within lawn care policies typically include the following:
The property coverage options within these policies can include:
- Commercial Building Coverage: Might insure a landscaper’s office building, garage, or storage facility if the business owns the building.
- Commercial Contents Coverage: Might insure a landscaper’s equipment when the equipment is kept at the business’s location. Chippers, lifts, chainsaws, mowers, trimmers, and spreaders may be covered, as may seeds, plants, and other items.
- Inland Marine Coverage: Might insure a landscaper’s equipment and plants as they’re taken to/from customer locations.
- Equipment Breakdown Coverage: Might insure critical landscaping equipment, such as chippers, lifts, and mowers, against sudden breakdown, often paying for emergency repairs if necessary.
How are Symbol 1 and Symbol 7 commercial fleet policies different?
Many commercial fleet insurance policies can be designated with either Symbol 1 or Symbol 7. The difference between these two types of policies lies in what vehicles are insured by them:
- Symbol 1 policies generally provide coverage for all company vehicles that are owned by a business.
- Symbol 7 policies generally cover only those vehicles specifically listed on the policy, and not any unlisted company vehicles.
Which of these options a business should use depends on the business’s vehicles. An insurance agent who’s well-versed in the nuances of fleet policies will be able to help businesses choose the right type of policy.
Do individuals need lawn care insurance if mowing other lawns in the neighborhood?
Mowing the occasional lawn as a favor usually doesn’t necessitate lawn care insurance, especially if the favor is unpaid. Individuals probably don’t need to get a policy if they mow a neighbor’s lawn while the neighbor is traveling, help an elderly friend by mowing their yard, or help someone else in this way — so long as the person doesn’t pay for the mowing.
If the mowing is paid for, then the favor can become a business transaction that does call for lawn care insurance. This is especially true if mowing several neighbor’s yards on a regular basis, and each neighbor is paying.
Individuals who want to make sure they’re covered when mowing other people’s lawns can consult with an insurance agent who specializes in lawn care. A specialized agent will be able to assess coverage needs, and advise as to whether a policy would be helpful. If a lawn care policy is wanted, the agent can also see which policies offer affordable coverage.
Where can landscapers with businesses in Massachusetts get landscaping insurance?
If you’re a landscaper in Massachusetts and need insurance, contact the independent insurance agents at Coonan Insurance Agency. Our agents will help you find landscaping insurance that’ll protect your business well.
