Common questions about Lawn care
Answering the most frequently asked questions about Lawn care.
Does adding snow work change my policy?Gravity Certs2026-08-17T23:36:06-04:00
Substantially. Snow operations are usually rated separately and can be excluded if not disclosed.
Are my mowers covered on the trailer?Gravity Certs2026-08-17T23:36:05-04:00
Only with tools and equipment or inland marine. Trailer theft is the most common loss in this trade.
What about damage from thrown debris?Gravity Certs2026-08-17T23:36:04-04:00
General liability covers property damage and injury from mower-thrown objects, which is frequent.
Do I need pollution coverage for fertilizer?Gravity Certs2026-08-17T23:36:03-04:00
Yes. Fertilizer, pesticide and herbicide application falls inside general liability’s pollution exclusion.
Am I liable for chemical drift onto a neighbour?Gravity Certs2026-08-17T23:36:03-04:00
Yes, and it’s a pollution claim rather than a general liability one.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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