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Landscaping Insurance

Landscaper Insurance

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As a landscaping business, there are many common risks that could affect your company. No matter how careful you are, there’s always a chance that your employees may accidentally damage a client’s property in the course of their work, injure themselves or others, or be involved in a car accident while driving a company vehicle. Having the right insurance coverage can help your company weather unforeseen circumstances and provide you and your employees with valuable financial support.

What insurance coverage do I need for my landscaping business?

There are many types of insurance coverage to consider, but these policies are particularly relevant to landscaping companies:

Commercial Property Insurance

Commercial property insurance protects the value of your business property. This could include rented or owned office space, furniture, office supplies, and computer equipment, as well as valuable landscaping tools, equipment, or growing trees and other plants that your company may store. Landscapers that own greenhouses or store plants outside will need to work with their insurer to make sure that these items are properly covered. Commercial property insurance covers many common perils including storms, hail, fire, vandalism, and water damage.

Commercial property insurance covers the following:


Equipment Breakdown Coverage

Landscapers may rely heavily on equipment such as lawnmowers, leaf blowers, hedge trimmers, tractors, and other high-value items. If key equipment breaks down, it can have a substantial impact on your ability to operate your business. Although some business owners may believe that commercial property insurance would cover these situations, equipment breakdowns are typically excluded from commercial property coverage. 

Commercial property insurance covers damage to equipment caused by covered perils, like a fire or storm. If a piece of equipment breaks down due to something internal, like a mechanical failure, equipment breakdown insurance can step in, providing funds to repair or replace damaged equipment and covering lost business income while the equipment is out of commission.


General Liability Insurance

General liability insurance covers incidents of third-party property damage, bodily injury, personal injury, and advertising injury. Since your employees perform landscaping services at many locations, there’s always a chance that they might unintentionally damage a client’s property or injure someone during the course of their work. If your business is sued, general liability insurance can cover legal fees, damages, and medical payments in the case of an injury. General liability can also cover non-physical personal and advertising injuries such as libel, slander, or copyright infringement. 


Commercial Auto Insurance

Landscaping companies typically own vehicles to transport employees and equipment to work sites. If your company owns vehicles titled under the business’s name, commercial auto insurance is both a key coverage and a legal requirement. If the driver of a company car is at fault in an accident, your commercial auto insurance will pay for any resulting third-party bodily injury, property damage, or pollution cleanup. Commercial auto insurance also covers the value of the vehicle itself if it’s damaged by a collision or another peril.


Workers’ Compensation Insurance

Workers’ compensation insurance is legally required in almost all states. Since landscaping is a physically demanding occupation, it’s especially crucial to ensure that you have sufficient workers’ comp coverage. No matter how careful your employees are, there’s always a chance that they may be injured on the job. Workers’ comp will provide funds for employees’ medical expenses and a portion of lost income if an employee is injured or falls ill as a result of their work. Workers’ comp also provides financial benefits to surviving dependents if an employee dies in a work-related accident.


Inland Marine Insurance

Inland marine insurance provides financial protection for property that does not remain at a fixed location and is not covered by a standard commercial property policy. If your landscaping company relies on specialized, high-value mobile equipment that you use at various locations, you may need inland marine insurance to cover this equipment. Inland marine insurance will protect your property no matter where it is.


Additional Coverages

Pricing and Quotes

Pricing for landscaping insurance will vary based on the type of insurance coverage and the risk profile of your business. Insurers consider factors such as:

Businesses with higher risks will have higher premiums than those deemed lower risk. For example, a landscaper with a history of frequent claims will face higher premiums. Premiums also rise as you increase the limits of insurance. Different insurance companies have different models for rating risks, so it is worth comparing pricing across different insurers.

In order to get an accurate estimate on pricing, it’s best to get a quote from a reputable insurance company. Below we’ve highlighted a few of our trusted partners who offer coverage for landscaping businesses:

ProviderGeneral LiabilityBusiness Owner's PolicyProduct Liability

Final Word

When planning your landscaping company’s insurance coverage, it’s important to prepare your business for the many risks that could arise, from property damage or physical injury to auto accidents. Business insurance can provide valuable financial protection if your business must face costly disasters or lawsuits. With the right coverage, you and your clients will feel confident in the knowledge that your company will continue to operate even if a major incident arises.

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