From small independent operators to large commercial contractors, every landscaping and snow removal business faces unique risks. A single equipment accident, property damage claim, or slip-and-fall lawsuit can lead to costly legal battles and operational downtime.
At Ferrari & Associates, we provide more than insurance—we deliver tailored risk solutions that keep your business running, protect your employees, and ensure financial stability. Whether you specialize in residential landscaping, municipal snow clearing, or large-scale commercial property maintenance, our expertise ensures that your business remains resilient, secure, and positioned for long-term success. investment goals, allowing you to focus on growth with absolute confidence.
Smart protection. Strategic coverage. Built for property managers who expect more.
Commercial Auto & Equipment Coverage ensures that your work trucks, plows, loaders, trailers, and other essential vehicles are protected against accidents, theft, and unexpected damage. If a collision, vandalism, or severe weather event sidelines your equipment, this coverage helps cover repair or replacement costs, so you’re not left scrambling to keep up with your contracts.
When your business relies on being on the road and on-site, having the right insurance coverage minimizes downtime and financial loss, keeping your business running no matter what challenges arise.
This coverage extends to mowers, plows, salt spreaders, excavation equipment, power tools, and more, ensuring that if they are damaged, lost, or stolen, you’re financially covered. Equipment theft is a growing problem in the industry, and without proper coverage, replacing stolen or vandalized tools can cost thousands of dollars out of pocket.
Unlike standard property insurance, Contractors’ Equipment Insurance protects your assets wherever they are—on job sites, in storage, or while being transported. When equipment failure or loss threatens your ability to work, this coverage ensures you have the financial support needed to recover quickly.
Workers’ Compensation Insurance protects your employees and business by covering medical expenses, rehabilitation, and lost wages due to job-related injuries. Without this coverage, a single injury could lead to costly medical bills and lawsuits, straining your business financially.
For instance, if an employee slips on icy pavement and suffers a back injury, or a landscaper cuts their hand with a power tool, Workers’ Compensation ensures they receive medical care and wage replacement while safeguarding the business from liability.
For landscapers and snow removal contractors, Workers’ Compensation Insurance is essential for long-term stability.
Operating in an unpredictable environment means protecting your business against a wide range of risks. At Ferrari & Associates, we customize policies to cover the specific exposures faced by landscapers and snow removal professionals.
A snow removal company clears a shopping plaza parking lot, but a patch of black ice remains. A customer slips, suffers a fractured hip, and files a $250,000 lawsuit against both the property owner and the contractor. General Liability Insurance covers legal defense, medical expenses, and potential settlements, protecting the contractor from financial loss.
A landscaping contractor leaves a trailer full of mowers and power tools at a client’s property overnight. By morning, the trailer has been stolen, resulting in a $50,000 equipment loss. Contractors’ Equipment Insurance reimburses the cost of stolen equipment, allowing the business to replace essential tools and continue operations.
During a routine snow-clearing job in an office parking lot, a contractor misjudges a turn and backs into a parked luxury SUV, causing extensive damage. Commercial Auto Insurance covers the cost of vehicle repairs, preventing a significant out-of-pocket expense.
A landscaping company accidentally applies an excessive amount of fertilizer, leading to chemical runoff into a nearby water source, causing environmental damage. The local municipality files a lawsuit for contamination cleanup costs. Pollution Liability Insurance covers cleanup costs, legal fees, and any environmental penalties.
A worker operating a heavy-duty snow blower loses control, suffers a severe hand injury, and requires surgery and rehabilitation. Workers’ Compensation Insurance covers medical expenses and lost wages, ensuring the employee is cared for while protecting the business from financial liability.
*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989
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