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Landscaping Business Insurance
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What kind of work do you do?
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Recommended insurance policies for landscaping professionals
Equipment theft, an injury, or a lawsuit could devastate your small landscaping business. Find coverage that matches the unique risks faced by lawn care and landscaping professionals.
General liability insurance
This policy covers common landscaping risks, such as accidental damage to a client's yard. Bundle with property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel / slander lawsuits
Commercial auto insurance
This policy covers legal costs and property damage in an accident involving a landscaping business's vehicle. It also covers vehicle theft and vandalism.
BEST FOR
- Auto accidents
- Vehicle theft
- Vandalism and weather damage
Workers’ compensation insurance
Most states require workers' comp for lawn care and landscaping companies 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
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of lawn mowers, chainsaws, and other tools if they are lost, stolen, or damaged. The items typically must be less than five years old.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
License and permit bonds
License and permit bonds guarantee that a landscaping business will perform the contracted work and adhere to regional regulations. They are a type of surety bond needed for licenses and permits.
BEST FOR
- State landscaping licenses
- Pesticide permits
- Permits for large landscaping projects
Looking for different coverage? See more policies.
How to get business insurance today
Easily apply online, compare quotes from top carriers in seconds, and get your certificate of insurance the same day.
How much does insurance cost for landscaping businesses?
Several factors will have an impact on insurance costs, including:
- Landscaping services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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