Landscaping Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Landscaping insurance is a specialized commercial insurance that’s specifically designed to meet the needs of landscapers. Most policies come as package policies, containing several coverages within them, and landscapers can usually adjust the exact coverages that their policy provides.

Most businesses in Massachusetts that offer landscaping and/or lawn care services should consider landscaper insurance. This includes sole proprietors, LLCs and other corporations of all sizes that are in this field of work. Without insurance in place, landscaping businesses may be unnecessarily and dangerously exposed to potential risks.

General Liability Coverage
Product Liability Coverage
Pollution Liability Coverage

What is Landscaping Insurance?

Landscapers invest a lot in the businesses they own, and those investments should be protected. Landscaping insurance helps landscapers in Massachusetts safeguard their businesses from a variety of potential risks.

What Coverages Are Included in Landscaper Insurance Policies?

Since businesses can frequently adjust the coverages in their policies, the exact list of coverages included in landscaper insurance policies varies. There are, however, several coverages that are widely available through these policies as either standard or optional protections:

General Liability Coverage, which may cover common accidents and some lawsuits
Product Liability Coverage, which may cover harm and damage caused by used products
Pollution Liability Coverage, which may cover environmental contamination by products
Errors and Omissions Coverage, which may cover mistaken landscaping or lawn care advice
Commercial Property Coverage, which may cover owned buildings, equipment and supplies
Inland Marine Coverage, which may cover equipment while it’s being transported between sites
Commercial Auto Coverage, which may cover owned vehicles and trailers

When comparing and choosing coverages, businesses ought to speak with an insurance agent who specializes in this type of commercial insurance. An agent who knows landscaper policies will be able to make informed recommendations regarding coverages and other policy options.

TESTIMONIALS

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

What Massachusetts Businesses Need Landscaper Insurance?

Is Workers Compensation Included in Landscaper Insurance Policies?

Most landscaper policies don’t come with workers compensation coverage. Instead, businesses that need this for their employees usually purchase the coverage through a stand-alone policy that can complement a landscaper policy. Insurance agents who are familiar with landscaper policies typically can also assist with workers compensation policies.

Do Landscapers Need Insurance During the Winter Months?

Canceling an insurance policy during the winter months when there’s not as much landscaping work might seem like a cost-effective measure, but doing so can have negative consequences.

First, canceling coverage altogether generally leaves landscaping equipment unprotected. Should the equipment be damaged or vandalized while in storage, the incident likely won’t be covered if a policy has been completely canceled. This can leave landscapers with an expensive cost to pay themselves before they begin working again in the spring.

Second, canceling coverage could create a gap that may lead to higher insurance premiums in the future. Insurers frequently consider whether a business has had coverage gaps when setting rates, and they might charge more if your business has a gap or lapse in coverage.

Rather than canceling coverage and risking these potential negative consequences, it’s often wiser to adjust coverages for the winter months. A knowledgeable insurance agent can help businesses reduce their protections to only what they need for their equipment while it’s in storage, and then the agent can adjust coverage just before the landscaping season starts up again. By adjusting -- and not canceling -- coverage, businesses can usually keep the protections they need in place and avoid the possibility of a coverage gap.

How Can Massachusetts Businesses Get Landscaping Insurance?

For help finding landscaping insurance, contact the independent insurance agents at Paul T. Murphy Insurance. Our team has helped many Massachusetts landscapers get the coverages they need, and we’ll work hard to find a policy that’s right for your business.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

What is Landscaping Insurance?

What Coverages Are Included in Landscaper Insurance Policies?

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