Equipment theft, bodily injury, or a lawsuit could devastate your landscaping business. Insureon helps you find coverage that matches the unique risks faced by lawn care and landscape contractors.
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.
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.
This policy covers legal costs and property damage in an accident involving a landscaping business' vehicle. It also covers vehicle theft and vandalism.
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.
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.
This policy helps landscaping businesses recover from cyberattacks and data breaches. It's recommended for small businesses that handle sensitive information.
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Our application will ask for some basic facts about your business, such as your annual revenue and how many employees you have. You can compare free quotes online, buy a policy and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage and policy limits for your landscaping company, whether you work by yourself, with a partner, or manage a large team.
There are 16 states that require a landscaping license. Even if your state doesn’t require one, you’ll likely need a business license before you can perform landscaping work. You might also need an additional license to use pesticides.
Many states require a surety bond for landscaping businesses, which are a type of contract between your business, your clients, and an insurance company. It acts as a landscaping insurance policy that will reimburse a client if you fail to deliver your contracted services. In the landscaping industry, these bonds are also known as a license bond, because they’re often required to obtain a license.
To fully protect your landscaping business, you should consider additional insurance coverage, including:
Commercial property insurance
Commercial property insurance pays to repair or replace your business property in case of fire, theft, vandalism, and other risks. It covers your business’s physical location and other assets like equipment. It’s often required to sign leases.
Hired and non-owned auto insurance
Hired and non-owned auto (HNOA) insurance provides liability coverage for accidents involving any personal, leased, or rented vehicles used by your business. Your personal auto insurance is unlikely to cover you for a work-related accident.
Inland marine insurance
Inland marine insurance provides business insurance coverage for your business property, such as tools and equipment, while it’s being transported to a job site or stored at an off-site location.
Most business owners can get covered and obtain a certificate of insurance (COI) within a matter of hours. Businesses that are difficult to insure can usually get their certificate within 48 hours. Once you’re covered, you can access and download your COI at any time.