A well-kept and beautifully landscaped yard can be the pride and joy of a homeowner. While they look effortlessly groomed, landscapers, arborists and other “green” businesses understand how much hard work goes into maintaining it. There is a myriad of things that can go wrong when working in a yard. Massachusetts insurance agents provide policies that may offer financial protection that prevents enormous costs from devastating a small landscaping business.
Unfortunately, mistakes, accidents, and injuries that occur on the job may lead to lawsuits. Insurance agents offering specialized products for landscapers and lawn care companies can customize policies to cover situations from property damage and slip-and-fall accidents to Worker’s Comp and other common risks. General liability insurance can cover the cost of a third-party lawsuit over these issues as well as reputational damage.
Having the right tools, supplies and equipment are vital to the success of a lawn care related business. Property insurance can help cover losses as a result of theft, fire, vandalism and other specified events. Tools and equipment may include everything from rakes and wheelbarrows to computers and printers.
Business owner’s policies bundle property and general liability insurance, often at a reduced premium. Massachusetts insurance agents can help small business owners select the policies which best suit their needs. Commercial auto insurance, Worker’s Comp and inland marine policies may be added to provide the coverage you need and reduce unnecessary risk.