Landscaping businesses use heavy equipment, operate on clients' properties, and work outdoors in all conditions. From a mower throwing a rock through a window to an employee heat stroke, proper insurance is essential for every landscaping operation.
Coverages we place
General liability for property damage (sprinkler lines, fences, windows)
Workers' comp for heat-related illness, equipment injuries, and falls
Commercial auto for trucks, trailers, and mowing equipment in transit
Inland marine for equipment on job sites and in transit
Tools & equipment for mowers, blowers, trimmers, and chainsaws
Herbicide/pesticide applicator coverage
Umbrella liability for commercial and HOA contracts
Business income for seasonal weather disruptions
Who needs this coverage
Landscaping companies, lawn care services, tree trimming businesses, irrigation installers, hardscaping contractors, and pest control/fertilization applicators.
What drives your premium
Annual revenue and number of crew members
Services offered (mowing only vs. hardscaping, tree removal)
Equipment value and fleet size
Pesticide/herbicide application (higher risk)
Height of tree work performed
Common exclusions
Damage from pesticide drift to neighboring properties (needs pollution endorsement)
Tree removal over certain height limits
Damage to underground utilities not properly located
Flood damage to client landscapes
Work performed by unlicensed pesticide applicators
Frequently asked questions
What insurance does a landscaping company need?
General liability, workers' comp, commercial auto, and inland marine/equipment coverage. If you apply chemicals, you'll also need pesticide applicator coverage.
Does my insurance cover damage from tree removal?
General liability covers accidental property damage during tree work. However, some carriers limit or exclude tree work above certain heights. We'll match you with a carrier that covers your specific services.
How much does landscaping insurance cost?
A solo landscaper can start at $800–$1,500/year for GL. A company with 5-10 employees and full equipment typically pays $5,000–$12,000/year for a complete package.