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Coverage Explained
Landscaping and lawn care contractor insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Does General Liability Cover Herbicide Drift to a Neighbor?
Does general liability cover herbicide drift onto a neighbor’s property? Usually no — the pollution exclusion bars it. Here’s what actually responds.
- Coverage Explained
Do I Need Umbrella Coverage for My Landscaping Business?
Do you need umbrella coverage for your landscaping business? Often, yes — a single large claim or a contract limit requirement triggers it. Here is when.
- Coverage Explained
Does Commercial Auto Cover My Trailer and Its Contents?
Does commercial auto cover the trailer you tow and the equipment loaded on it? The trailer, yes — the gear inside, no. Here is the seam to know.
- Coverage Explained
Does General Liability Cover My Tools and Equipment?
Does general liability cover your own tools and equipment? No — it is third-party coverage. Your gear needs contractors equipment. Here is why.
- Coverage Explained
Is the Wrong Chemical or Wrong Property Covered by Insurance?
If a crew applies the wrong chemical or treats the wrong property, is it covered? General liability excludes the chemical loss — here’s what responds.
- Coverage Explained
Does Insurance Cover Damage to a Customer’s Property?
Damaged a customer’s hardscape, irrigation, or lawn on a job — is it covered? General liability responds, but care-custody-control is the catch.
- Coverage Explained
Does Insurance Cover Rented or Borrowed Equipment?
Is rented, leased, or borrowed equipment covered? Sometimes — but only if your policy and the rental contract line up. Here is the gap to close first.
- Coverage Explained
Inland Marine vs Commercial Property for Equipment
Isn’t your equipment covered by commercial property? Why landscaping gear that moves needs inland marine — the line that follows it off the shop.
- Coverage Explained
Is My Crew Covered for Heat, Chemical, and Tool Injuries?
Is your crew covered for heat illness, chemical exposure, and equipment injuries? Workers compensation responds — with one exception in four states.
- Coverage Explained
Is Equipment Breakdown Covered by My Equipment Policy?
Is equipment breakdown covered? Contractors equipment pays for external perils, but mechanical or electrical failure is usually excluded. Here is the line.
- Coverage Explained
Is Fertilizer or Chemical Runoff Covered by Insurance?
Is fertilizer or chemical runoff covered by insurance? General liability’s pollution exclusion gaps it — here’s the line that fills the runoff gap.
- Coverage Explained
Is My Mower Covered If It Was Stolen Off the Trailer?
Was your mower stolen off the trailer? It is a contractors equipment claim, not auto or property. Here is the line that actually follows the gear.
- Coverage Explained
A Mower Threw a Rock and Broke a Window — Is It Covered?
A rock thrown from a mower broke a window or a parked car — is it covered? Yes, this is core general liability territory. Here’s how the claim works.
- Coverage Explained
What Is Contractors Pollution Liability, and Do I Need It?
What is contractors pollution liability, and do I need it? It’s the separate line covering the chemical exposure general liability is built to exclude.
- Coverage Explained
Who Pays If My Crew Hits an Underground Utility Line?
Who pays if a crew strikes an underground utility line while trenching? General liability responds to the third-party damage — here’s the 811 catch.
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