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Landscaping Business Insurance
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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 it with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel / slander lawsuits
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for landscaping businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Slip-and-fall injuries
- Accidental damage to a client's property
- Business property damage and theft
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
- Disability benefits
- Lawsuits from 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
Cyber liability insurance
This policy helps landscaping businesses recover from cyberattacks and data breaches. It's recommended for small businesses that handle sensitive information.
BEST FOR
- Data breach notification expenses
- Fraud monitoring services
- Data breach investigations
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 determine the cost of insurance and license/permit bonds for landscapers:
- Landscaping services offered
- Business property and equipment
- Business income
- Number of employees
- Types of insurance purchased
- Policy limits and deductibles
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