Landscaping Business Insurance
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Business owner's policy for landscaping businesses

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Business owner’s policy

A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than if the policies were bought separately.

A BOP protects against accidents and theft

A business owner’s policy protects landscaping professionals financially from the most common business risks. It combines general liability insurance with commercial property insurance to protect against customer injuries, theft of lawn care equipment, and accidental damage to a customer's property.

A BOP can cover the costs for:

  • Lawsuits related to customer injuries or property damage
  • Lawsuits related to libel, copyright infringement, and other advertising injuries
  • Stolen or damaged lawn mowers, irrigation equipment, and other business property

Customize a BOP to fit your business

An insurance agent can help tailor a BOP to meet the specific needs of your landscaping business.

For example, you could add a business interruption endorsement to your policy, which covers operating expenses and lost income if your business is forced to temporarily close due to a covered event, such as a fire. You can also add inland marine insurance to protect mobile property, such as lawn mowers and other lawn care equipment that travels to different locations.

Small, low-risk businesses usually qualify for a BOP. That might include:

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What coverage can a BOP provide for landscapers?

A BOP provides financial protection against the most frequent claims, including:

Customer injuries and property damage

The general liability portion of a business owner’s policy can pay for medical bills, legal costs, and other expenses related to third-party injuries or property damage, such as:

  • A customer tripping over a sprinkler head and suffering a concussion
  • A branch dropped during a tree removal damaging a customer's fence
  • A lawn mower kicking up a rock that breaks a sliding glass door

Libel and other advertising injuries

The general liability coverage included in a BOP also covers advertising injuries. That includes defamation claims, such as libel and slander, along with copyright infringement claims.

For example, a BOP will help pay your legal fees if a competitor claims that you copied their logo, or harmed their company's reputation on social media.

Stolen or damaged business property

A BOP pays for repair or replacement of damaged or stolen business property, so you can get back to business fast after a disruption. With the addition of inland marine insurance, your property is protected when it travels to different job sites.

Temporary closure

If you're forced to temporarily close your business due to a property claim, business interruption insurance can help cover everyday expenses until you reopen. That includes lost revenue, daily operating costs, and the cost of relocating during repairs or renovation.

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How much does a business owner's policy cost for landscaping businesses?

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Small businesses pay a median of $53 per month for a business owner's policy, but you could pay more or less depending on your risks.

Insurance costs for landscaping professionals are based on a few factors, including:

  • Landscaping services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees

Other recommended policies for landscapers

While a business owner's policy protects against the most common risks faced by landscaping businesses, it does not provide absolute protection. Other coverage for landscapers to consider includes:

Commercial auto insurance: This policy covers vehicles owned by your landscaping business. It pays for vehicle accidents, theft, vandalism, and other types of damage.

Workers’ compensation insurance: Workers’ comp can cover medical expenses for work injuries. Most states require it for businesses that have employees.

Contractor’s tools and equipment insurance: This policy repairs or replaces a contractor’s equipment and tools if they are lost, stolen, or damaged.

Cyber liability insurance: This policy helps landscaping businesses recover financially from cyberattacks and data breaches.

License and permit bonds: Landscapers might need a surety bond to get a license in their state, or to do specific types of work.

Get free quotes and buy online with Insureon

Are you ready to safeguard your landscaping business with a business owner's policy? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

Updated: June 9, 2022
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