In Mass., my Workers Comp covers employes. In my liablity package I have to carry logging ins rider for tree cutting work( no climbing),a rider for stump grinding, a rider for snow plowing on top of the normal coverage. I switched ins agents and just found out that I was not covered properaly for the last six years. Make sure your agent knows exactly what you do for work. There was a big difference in the meaning of landscaping between me and my new agent.