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Commercial auto insurance for landscaping businesses

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Commercial auto insurance

Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.

Commercial auto insurance covers the vehicles you depend on

Your employees may be skilled drivers, but accidents can happen to anyone. A collision could lead to another motorist getting injured, or your landscaping truck or van being totaled.

An auto accident could cost your small business thousands of dollars, especially if someone is injured. Compare that to the median premium of about $150 per month for landscaping businesses, and it’s easy to see why commercial auto insurance is the better deal.

How does commercial auto insurance protect your business?

Commercial auto insurance can help pay for lawsuits, property damage, and medical fees that arise from an accident involving a company vehicle. It also covers theft and vehicle damage from weather events and vandalism.

As a landscaping business owner, this policy can be tailored to fit your needs. For example, a tree service bucket truck that is used only occasionally may need less coverage than a pickup truck that transports tools on a daily basis.

Who needs commercial auto insurance?

Company-owned vehicles such as tree trimming trucks or a lawn care company’s fleet of vans must be covered by commercial auto insurance.

Commercial auto insurance may be required if you:

  • Operate a bucket truck, chipper truck, or other machinery
  • Transport tools and equipment
  • Send employees on errands during work hours

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

What coverage can commercial auto provide for landscaping businesses?

You can tailor your commercial auto insurance policy to match the needs of your sprinkler installation company, lawn mowing company, or other landscaping business. This policy typically covers:

Legal expenses

If your landscape design firm or other landscaping business is sued over an auto accident, legal expenses can pile up fast. You may also have to pay a settlement or court-ordered judgment.

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Medical expenses

If an accident injures the driver of your landscaping business vehicle, or any passengers, your policy can cover the cost of medical care.


Collision coverage pays for damage to your truck or other work vehicle, regardless of who is at fault.

Uninsured motorists

This coverage pays for damage caused by uninsured drivers.

Non-collision damages

Comprehensive insurance covers non-collision damages, including fire, theft, and vandalism.

Personal vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own cars for business errands. Personal auto policies almost always exclude coverage for business use.

Hired and non-owned auto insurance provides liability coverage for landscaping experts who get into an accident while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.

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Other important policies for landscaping businesses

While commercial auto insurance is a must-have for small businesses that depend on a landscaping truck or van, it does not cover risks beyond those related to your vehicle. Owners of landscaping businesses should also consider:

General liability insurance: This policy can cover expenses related to third-party bodily injury, property damage, and advertising injury.

Workers’ compensation insurance: Required in almost every state for landscaping businesses that have employees, workers’ comp can cover medical fees and lost wages for work injuries.

Contractor’s tools and equipment insurance: This policy helps pay for repair or replacement of a landscaping contractor’s equipment and tools if they are lost, stolen, or damaged.

Get free quotes and compare policies with Insureon

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

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