Landscaping Business Insurance
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Contractor’s tools and equipment insurance for landscaping businesses

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Contractor's tools and equipment insurance

This policy helps pay for repair or replacement of a contractor’s tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old.

Protect your landscaping business while on the go

Commercial property insurance covers your building (if you own it) 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. 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

Bundle policies to save money and increase coverage

If you run a small landscaping business, you may want to look into adding contractor’s equipment insurance to your general liability insurance or business owner's policy (BOP). This insurance provides coverage for up to $10,000. For more expensive equipment, you may need inland marine insurance.

Contractor’s tools and equipment insurance is a type of inland marine insurance designed specifically for contracting and construction businesses. Talk to a licensed Insureon agent about contractor’s equipment coverage for your lawn care or landscaping business.

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Customize coverage to fit your landscaping business

When you apply for contractor’s 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.

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Other important policies for landscaping businesses

Contractor’s tools and equipment insurance protects the equipment you need to run your business, but it doesn’t provide coverage for other common risks. Landscaping professionals should also consider:

General liability insurance: This policy can cover expenses related to customer injury or property damage, such as a client who sues an irrigation company for damage to a lawn.

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

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

Get free quotes and buy online with Insureon

Are you ready to safeguard your landscaping business with contractor’s tools and equipment insurance, or another policy? 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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