LANDSCAPERS’ INSURANCE IN MASSACHUSETTS

What Is Landscapers Insurance?

When you work in landscaping or horticulture, you often encounter specific risks that could result in financial loss for your business. However, with a good landscapers insurance policy, you can rest assured that you’re covered when an accident occurs.

Landscaper liability insurance helps you protect your business from an individual’s or business’s claims of bodily injury, related medical costs, and property damage, minimizing the financial impact you would otherwise face without it.

Who Needs Landscapers Insurance?

Landscaping and related fields require you to carry out work on other people’s properties plus, this type of employment can expose workers to dangerous situations. Therefore, it is imperative that you have liability coverage in the event that an accident or emergency occurs.

Landscapers insurance is recommended for those involved in the following fields and businesses:

Lawn care (including small businesses that carry out seasonal work)
Landscape architecture and design
Tree trimming
Lawn irrigation
Snow plowing
General contractor work/handymen

It is also worth noting that you may be required to carry landscape liability insurance in certain situations, including when obtaining a state landscaping license, starting a new project, hiring employees, purchasing a business-owned vehicle, or repairing your owned or rented business property.

What Types of Business Insurance Do Landscapers Need?

Landscaping businesses are often required to carry commercial insurance due to the risks associated with this line of work. In addition to landscapers insurance, you may also be required to have different types of business insurance to fully protect your landscaping company. Some of the core types of business insurance worth considering for landscapers include:

General liability: Commonly required by project owners, individual clients, and licensing agencies.
Commercial auto: Most states require this type of insurance coverage for business-owned vehicles.
Commercial property: Typically required to protect equipment and inventory stored at your place of business.
Workers’ compensation: Most states require businesses to carry this type of insurance if they hire employees.

There are also several accessory insurance coverages that may be beneficial depending on the nature of your landscaping business, such as:

Professional liability: Helps keep you covered when you face claims of negligence and misrepresentation.
Inland marine: Covers any materials, products, and equipment while being transported over land or stored temporarily by third-party warehouse facilities.
Umbrella: Provides additional coverage when costs exceed liability policy limits.
Herbicide and pesticide application coverage: Covers costs related to the unexpected release of hazardous chemicals.
Snowplow insurance: Covers costs related to damage from snow or ice management services.

What Does Landscaping Insurance Cover?

Landscapers insurance provides basic coverage for accidents and injuries that occur while carrying out landscaping work for residential and commercial clients.

The typical coverages provided through landscape liability insurance include:

Bodily injury
Personal injury
Medical costs
Property damage
Power outages
Equipment theft

What Does Landscaping Insurance NOT Cover?

Although a basic landscaping insurance policy will protect your business from financial loss related to bodily injury, medical costs, and property damage, you may need additional coverage to achieve full protection.

The following scenarios are typically not covered by a landscapers insurance policy:

Employee vehicles
Employment practices
Employee vehicles
Employee practices
Floods

What Does Landscaping Insurance Cost?

While there is not a set price when it comes to landscapers insurance, the following factors can play a role in determining how much you will pay for coverage:

The size of your business
The number of employees on your payroll
Whether you offer tree removal services (since this carries additional risks, you may have to
pay more for coverage)
The manner in which you store your customer data (whether your method of data storage is
vulnerable to security breaches)
Whether you own business vehicles that tow equipment
The types and number of business vehicles you use
The types of projects you carry out
The geographic location of your landscaping projects
The coverage limit you select
Your experience and history in the industry (including past insurance claims)

Types of Incidents & Claims Covered by Landscapers Insurance

Operating a landscaping business means that you will encounter a wide range of work scenarios and interact with many different kinds of people. Here are a few examples of the types of incidents and claims you can expect to be covered by landscapers insurance.

Bodily injury: While carrying out landscaping work in a customer’s yard, the customer trips over one of your tools and breaks his leg. Landscapers insurance will help pay for medical expenses and legal fees related to this type of bodily injury.

Property damage: While cutting down a tree on a client’s property, the tree accidentally lands on your customer’s vehicle. Landscapers insurance will help cover the vehicle damages incurred by the fallen tree.

Personal injury: One of your employees makes disparaging remarks about a customer in a public place. The remarks get back to the customer, and the customer sues your business for slander. In this scenario, landscapers insurance can help cover associated legal fees up to your policy’s liability limits.

Business property incidents: Someone breaks into your place of business and steals expensive tools and equipment. Your landscapers insurance policy will help cover the costs to replace these items in the event of a theft.

What Are Some Common Industries Covered?

While C&S insurance policies can cover businesses across all industries, here are a few industries that we frequently assist with landscaping-related coverage:

Arborists

From business vehicles to tree trimming equipment to risks related to land clearing and more, landscapers insurance can help keep your business protected from financial loss.

Lawn Care Professionals

Lawn care professionals are some of the most common clients covered by landscapers insurance, which helps protect businesses that perform lawn maintenance services such as mowing, fertilizing and aeration.

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Contractors/Builders

If your contracting business is involved with yard work and other outdoor projects, you may benefit from coverages provided by landscapers insurance.

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Landscapers

Besides covering standard landscaping businesses, C&S also frequently assists with landscape-related coverage including tree removal services, lawn irrigation, snow and ice management, general contracting and so on.

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Why Choose C&S For Landscaping Insurance?

There are a few major reasons why C&S is the best option when exploring landscaping liability insurance:

Tailored Insurance Policies

We work with landscaping businesses like yours and tailor coverages to meet the unique demands and risks of your field.

Industry Experience and Expertise

With decades of experience under our belts, the team at C&S is dedicated to finding the best landscapers insurance coverages to ensure your business is protected from financial loss in the event of accidents, injuries, or damage.

Quick Response Times

Our agents are standing by to respond immediately when you submit a claim. We know how important it is to address matters quickly to keep your business operating at its full capacity.

Carrier Access

We have relationships with dozens of insurance carriers, which means we can often provide more quotes and policy terms than the average local agency. We have access to nationwide carriers that can cover businesses of all sizes and needs.

Let C&S Insurance help you keep your landscaping business protected when accidents, injuries, and property damage occur.

TESTIMONIALS

Our Clients Say it Best

I originally gave C&S a chance to be my insurance company because they were able to save me a large amount of money, which was definitely a great thing. What I now know of their company, and what is more important to my business in the long run, is the incredible service they provide. The few times I have needed to file a claim, C&S was so attentive and supportive with every step of the claims process. They make me feel like I’m their only customer, and that’s a rare accomplishment in today’s business environment.

Peter Narsasian

Owner, P.A. Narsasian Landscaping

We provide complete coverage for your landscapers insurance needs so you can keep your mind on your business knowing you’re covered. You can speak with an agent about your coverage at any of the following locations:

FAQs About Landscaping Insurance

Why do I need landscapers insurance?

If you work in or adjacent to the landscaping industry, your business faces unique risks.

How much does landscapers insurance cost?

The cost of your landscapers insurance policy can vary depending on a number of considerations.

An employee was injured in a car accident while driving a business-owned vehicle to a client’s property. Is this incident covered by my landscapers insurance?

Yes, expenses related to company-owned vehicle accidents and employee injuries are covered by your landscapers liability insurance policy.