What Protections Does Landscaping Insurance Make Available?
Many of the protections that landscaping insurance policies provide can be separated into property coverages and liability coverages. The former normally protects assets a business owns, while the latter typically guards against instances where a business is responsible for harm to a third party. In a few cases, such as with commercial auto coverage, property and liability protections are often combined within the same coverage.
Some property coverages that a landscaping policy may provide include:
- Commercial Property Coverage, which normally protects buildings a business owns and equipment that’s kept on the company’s property
- Inland Marine Coverage, which normally protects equipment and supplies when they’re transported between two locations
- Commercial Auto Coverage, which normally protects vehicles a business owns and also usually offers liability protection against accidents.
- Equipment Breakdown Coverage, which normally protects mowers or other essential equipment in the event it malfunctions
Some liability coverages that a landscaping policy may provide are:
- General Liability Coverage, which often guards against common accidents, false advertising lawsuits and defamation suits
- Errors and Omissions Coverage, which often guards against mistakes that an employee or business owner makes when giving advice
- Pollution Coverage, which often guards against environmental contamination by chemicals that a business uses
- Product Liability Coverage, which often guards against property damage, injury and illness caused by products that a business uses
Errors and omissions coverage is often referred to with the shorthand of “E&O coverage.”
Can Businesses Combine Lawn Care and Snowplow Policies?
Since many businesses in Massachusetts that offer lawn care services also plow during winter, insurance companies often combine lawn care and snowplow policies together. A single policy frequently can give sufficient protection for both types of work.
When selecting insurance for two types of work, however, there are always nuanced considerations to take into account. For this reason, businesses that want a dual-purpose lawn care and snowplow policy should work with an insurance agent who’s familiar with these policies. An informed agent will know how to help a business select all the coverages that it needs and make sure a single policy offers all of those protections.
How Can Businesses Get Lawn Care Insurance?
For help insuring a lawn care or landscaping business in Massachusetts, contact the team at Keefe Insurance. Our independent insurance agents can show you lawn care insurance policies from several insurers in the state, and they have the expertise needed to help you select the best available policy
