Business Insurance for Landscape Architects

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Landscape Architect

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Why do landscape architects need business insurance?

As a landscape architect, your task is to create outdoor spaces that are appealing, safe, and functional. That means high liability. If a child is injured on a playground you designed, or your design leads to flooding and water damage, your business could face a lawsuit. Business insurance protects against legal fees and fulfills requirements for leases, loans, and state laws.

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Find the right coverage

Insureon helps landscape architects find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of insurance do landscape architects need?

These insurance policies cover common risks faced by landscape architects.

General liability insurance

A general liability policy covers basic third-party risks, such as a client who suffers an injury in a landscape architect’s office. It’s often required for a commercial lease.

BEST FOR

Slip-and-fall accidents
Personal injuries
Libel and other advertising injuries

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for landscape architects to buy general liability coverage and commercial property insurance together.

BEST FOR

Customer bodily injuries
Damaged customer property
Business property damage and theft

Professional liability insurance

This insurance covers legal costs related to the quality of your professional service, such as a lawsuit over uneven steps that caused an injury. It’s also called errors and omissions insurance or E&O insurance.

BEST FOR

Design errors that cause an injury
Mistakes that lead to flooding
Budget overruns on landscaping projects

Workers’ compensation insurance

Most states require workers’ comp for landscape architecture firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Cyber liability insurance

This policy helps landscape architects recover from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.

BEST FOR

Client notification expenses
Fraud monitoring services
Data breach investigations

Commercial auto insurance

This policy helps cover the cost of property damage and injuries in an accident involving your business vehicle. Each state has its own requirements for auto liability insurance.

BEST FOR

Property damage caused by your vehicle
Bodily injuries from an auto accident
Vehicle theft and vandalism

Looking for different coverage? See more policies.

How much does landscape architect insurance cost?

Building design professional doing calculations.

A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

Type of business, such as residential or commercial landscape architecture
Business property and equipment
Business income
Types of coverage purchased
Policy limits and deductibles

View Costs

How do I get landscape architecture business insurance?

It's easy to get insurance and surety bonds for landscape architects and landscape design professionals if you have your business information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your landscape architecture business, whether you work independently or hire employees.

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