Insurance for Landscapers
Landscaping work comes with its own mix of risks — heavy equipment, vehicles on the road between job sites, chemical treatments, employees working outdoors in varying conditions, and the potential to damage a client’s property while on the job. Whether you’re mowing lawns, designing full outdoor spaces, or running a crew that handles everything from irrigation to hardscaping, the right insurance protects your business, your equipment, and your team from the everyday risks of the trade. We help landscaping businesses of all sizes build coverage that fits the realities of working outdoors.
Coverage landscapers typically need:
General Liability — Covers third-party claims of bodily injury or property damage caused by your work — a rock kicked up by a mower that breaks a window, accidental damage to a client’s sprinkler system, or an injury to someone on the property while you’re working.
Workers’ Compensation — Covers medical costs and lost wages if an employee is injured on the job — common in landscaping given the physical nature of the work, equipment use, and outdoor exposure. Required in most states if you have employees.
Commercial Auto — Covers trucks and trailers used to haul equipment and crews between job sites, along with liability protection if an accident happens on the road — coverage a personal auto policy typically excludes.
Tools & Equipment (Inland Marine) Coverage — Covers mowers, trimmers, trailers, and other equipment that travels between job sites and is often left on-site or in vehicles overnight, where theft and damage risk is higher.
Pesticide & Chemical Liability — If your business applies fertilizers, herbicides, or pesticides, this covers claims related to chemical drift, improper application, or damage caused by treatments — a risk general liability policies often exclude or limit.
Commercial Property — Covers your shop, office, or storage facility — along with equipment kept there — against fire, theft, and other covered losses.
Umbrella/Excess Liability — Adds an extra layer of liability protection above your other policies, useful given the amount of property damage exposure that comes with operating heavy equipment near client homes and businesses.
Risk varies a lot depending on the scope of your work — a small lawn care operation looks very different from a full-service landscaping company that handles design, irrigation, hardscaping, and chemical applications. We’ll help you put together coverage that matches the actual equipment, chemicals, and crew size involved in your business.