Yes, but different policies address different risks:
- Equipment damage or theft – Inland marine or commercial property insurance can cover stolen or broken machinery.
- Chemical exposure – Workers’ compensation can help if employees are injured by pesticides or fertilizers. OSHA highlights pesticide handling as a major hazard in landscaping.
- Client property damage – General liability protects you if chemicals kill plants or if equipment damages fences, siding, or vehicles.
Having these protections in place ensures your business is prepared for the most common hazards of lawn care work.
