Landscaping Business Insurance
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Tools and equipment insurance for lawn care and landscaping contractors

This policy helps pay for repair or replacement of a landscaping business's tools and equipment if they're lost, stolen, or damaged.

Protect your landscaping business while on the go

Commercial property insurance covers your building and its contents, but it doesn’t cover mobile property.

Whether you provide lawn maintenance or tree removal services, your landscaping business likely involves transporting equipment, tools, and other supplies from one jobsite to another. That's why you may need contractor’s tools and equipment insurance, which covers work items no matter where you take them.

This policy typically provides coverage for:

  • Powered equipment, such as lawn mowers and leaf blowers
  • Hand tools, such as shovels, rakes, and hoes
  • Equipment you lease to others

It helps covers the gaps in both commercial property and homeowner's policies in protecting your business property.

Bundle policies to save money and increase coverage

Small landscaping businesses can often add tools and equipment insurance to their general liability insurance or business owner's policy (BOP). Items valued at over $2,500 may need to be scheduled separately on the policy.

Another name for tools and equipment insurance is inland marine insurance. To get the right coverage for your tools and other portable property, consult a licensed insurance agent.

Get tools and equipment insurance quotes for landscapers
Lawncare professional trimming bushes.

Customize equipment coverage to fit your landscaping business needs

When you apply for tools and equipment insurance, you’ll provide an estimate of how much your landscaping equipment is worth. A licensed Insureon agent will help you secure a policy that matches your business risk and equipment value. You'll get the right amount of protection, without paying for more than you need.

Top landscaping businesses we insure

Lawncare professional trimming bushes.
Lawn care
Landscaping designer setting stones on a client's property.
Landscape design
A tree trimmer removing a client's tree branch
Tree service
Irrigation specialist treating crops.
Irrigation
Snow removal professional plowing a sidewalk.
Snow and ice removal
A gardener trims a plant.
Gardening

How much does tools and equipment insurance cost for landscaping businesses?

A landscaping professional calculating their business insurance costs

Most landscaping businesses pay an average of $38 per month for tools and equipment insurance, but you could pay more or less depending on your risks.

Landscaping business insurance costs are based on several factors, including:

  • Landscaping services offered, such as mowing or hedge trimming
  • Business equipment and property (sprinklers, lawn mowers, etc.)
  • Revenue
  • Location
  • Coverage options, such as an additional insured
  • Number of employees
  • Coverage limits and deductible

Other important policies for lawn care professionals

As part of a comprehensive risk management strategy, landscapers should consider the following small business insurance policies:

  • General liability insurance: This liability policy covers expenses related to customer bodily injuries and property damage, such as medical bills or property repairs.
  • Workers’ compensation insurance: Workers' compensation coverage is required in most states for businesses with employees. If a landscaper hurts their back while loading equipment or develops an illness from prolonged exposure to pesticides, workers’ comp would pay for their medical expenses as well as partial lost wages.
  • Commercial auto insurance: Required in most states, commercial auto insurance covers vehicles owned by your lawn care company. It can pay for injuries and property damage in an accident, along with vehicle theft, weather damage, and vandalism.
  • Business owner's policy: A BOP bundles general liability coverage with commercial property insurance at a lower cost than buying the policies separately. It includes coverage for fires, theft, and other common losses.
  • License and permit bonds: Lawn care business owners might need a surety bond to get a license in their state, or to do specific types of work.

Get free landscaping insurance quotes and buy online with Insureon

Are you ready to safeguard your landscaping company with the right tools and equipment coverage?

Complete Insureon’s easy online application to compare quotes from top U.S. insurance companies. A licensed insurance agent is available to discuss the best types of insurance coverages for your company based on the lawn care services you provide and your business operations.

Once you find the lawn care business insurance policies that fit your unique business needs, you can begin coverage and get a certificate of insurance (COI) in less than 24 hours, offering instant peace of mind.

What our customers are saying

Updated: May 26, 2026

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