Insurance coverage for Landscaping & Lawn Care

• What insurance do I need for a lawn care business?

  General liability is the working minimum — a rock thrown through a window by a mower is the classic claim — but the mechanics that matter are your equipment and trailer, which need their own coverage, workers' comp once you hire, and the certificate demands that arrive the moment you take commercial accounts or snow contracts.

• Client wants to be added to our snow insurance — what are they asking for?

  They're almost certainly asking for additional insured status: coverage rights under your general liability policy for slip-and-fall claims arising from your snow work — not just a certificate proving you're insured. Granting it usually costs little or nothing in premium. What it costs is exposure: their defense draws on your policy, your limits, and your claims history.

Liability questions for Landscaping & Lawn Care

General liability, E&O, D&O, and employment practices questions live on our sister publication: Landscaping & Lawn Care on pleasedontsue.us.