Do landscapers get workers compensation coverage?
The purpose of workers compensation is generally to protect against injuries and illnesses that employees could sustain while working. These could include everything from injuries sustained while operating mowers, to accidental burns when a chemical spills.
In Massachusetts, businesses with employees typically need workers compensation coverage. Local and statewide companies that have employees should expect to get this coverage. Self-employed sole proprietors who have no employees likely don’t need to have it.
Can lawn care insurance policies cover snow plowing?
Many lawn care insurance policies are able to cover snow removal services too. Landscapers who need coverage for snow plowing should work with an insurance agent who specializes in these types of policies. A knowledgeable agent will be able to confirm that a specific policy covers both landscaping and snow removal services well.
Can landscape architects insure themselves with a landscaping policy?
Landscape architects may find that a landscaping policy provides the protections they need. They should confirm that a policy does indeed meet their needs, however. One important coverage to check is errors and omissions. This is something an insurance agent who’s familiar with these policies can assist with.