Landscaping Insurance Massachusetts

Choice Insurance Agency

Landscaping Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is landscaping insurance?

Landscape work comes with inherent risks. Accidents, theft, fire, spills, and malfunctioning equipment are just some of the things that can go wrong. Landscaping insurance can help landscapers in Massachusetts shield themselves from many such risks.

Landscaping insurance offers specialized coverages for lawn care and landscaping businesses. Most policies allow landscapers to choose from a variety of property and liability protections.

Which Massachusetts businesses is lawn care insurance for?

Almost any Massachusetts business that provides landscaping or lawn care services should consider lawn care insurance. Not insuring can be costly if something ever happens.

In particular, these policies are usually best suited for businesses such as the following:

  • Individuals who mow yards either part-time or full-time
  • Small businesses offering local lawn care
  • Small businesses offering local landscaping
  • Large companies with extensive lawn care or landscaping services
  • Seasonal landscaping or lawn care businesses

Quotes Available in Massachusetts & Other States

Landscaping Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
Choice Insurance Agency

We love to hear from our clients! Your feedback helps us continue to improve our service and insurance offerings.

What insurance coverages do lawn care policies offer?

Lawn care policies typically come with a combination of property protections and liability protections.

The main purpose of property protection is usually to protect assets that a landscaper might own. There are several different property coverages for different assets and situations:

  • Commercial Building Coverage: Might protect an office building, garage, or storage facility that a lawn care business or landscaper owns.
  • Commercial Contents Coverage: Might protect equipment and supplies kept at a building’s location. Covered items could include lawnmowers, trimmers, spreaders, chainsaws, chippers, plants, seeds, treatments, computers, and more.
  • Inland Marine Coverage: Might protect equipment and supplies while they’re being transported to and from customer locations. Covered items often include lawn equipment, landscaping equipment, seeds, and treatments.
  • Equipment Breakdown Coverage: Might protect essential equipment, such as mowers, chippers, and other major equipment, in the event of a malfunction. This is normally only for specialized and/or large equipment.

Liability coverages normally protect against situations where a business is liable for harm that another party sustained, namely an injury or property damage. Several liability protections may be of interest to landscapers:

  • General Liability Coverage: Typically for common accidents (not auto accidents) for which a landscaper or lawn care business is responsible.
  • Errors and Omissions Coverage (E&O): Typically for mistakes made when advising customers on the installation or management of their landscaping.
  • Product Liability Coverage: Typically for injuries, illnesses, and property damage caused by the use of fertilizers, pesticides, herbicides, and other treatments.
  • Environmental Liability Coverage: Typically for environmental damage caused by treatments, often including things like spills, leaks, and overuse of products.
  • Commercial Auto Coverage: Typically for landscapers’ commercial trucks and vans, often covering accidents and other events.
  • Commercial Umbrella Coverage: Typically provides additional coverage for costly liability lawsuits.

Are lawn care companies required to get workers compensation?

In Massachusetts, businesses with employees are normally required to have workers compensation insurance. It’s primarily to protect against various injuries and illnesses that employees could sustain while working.

Lawn care and landscaping businesses that have employees usually are required per state law to get workers compensation. Individuals who mow lawns on their own likely don’t need it.

Landscaping Insurance Massachusetts

Can lawn care policies cover snow plowing during winter?

Many lawn care insurance policies can cover winter snow removal services, either as a standard feature or by choosing optional protections. An insurance agent who specializes in lawn care insurance can assist with finding a dual-purpose policy.

Can landscaping policies cover architectural landscaping work?

While some of these policies may offer protection for architectural landscaping services, others might not have all the necessary coverages. In particular, landscape architects should work with a knowledgeable agent to review a policy’s errors and omissions coverage.

How much do landscapers pay for insurance?

The cost of lawn care insurance varies based on several factors, often including the type of equipment used, services provided, business size and location, and other details. In most cases, however, these policies are quite affordable.

Choice Insurance Agency

Where can landscaping and lawn care businesses find landscaping insurance?

If your Massachusetts business needs landscaping insurance, contact the independent insurance agents at Choice Insurance. We’ll work closely with you to find a policy that keeps your business well-insured, whether mowing lawns, landscaping, consulting, or even plowing.

Contact Us

Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.

Send us a Message!