Landscaping Business Insurance
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General liability insurance for landscapers

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General liability insurance

General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.

General liability covers common landscaping risks

Because landscaping takes place at customers’ homes and businesses, third-party injuries and property damage are a serious risk. A client could trip in a hole you dug and break a leg, or a tractor could back into a client's fence.

General liability insurance can help cover a customer's medical bills or repairs to damaged property, along with a lawsuit if you're sued. This policy provides coverage related to:

  • Customer injuries
  • Customer property damage
  • Advertising injuries

Bundle policies to save money and boost protection

If you own a small, low-risk business, you may be able to bundle general liability insurance and commercial property insurance in a business owner’s policy for a lower premium than purchasing each policy separately. A landscaping business that is eligible for a BOP typically:

  • Has fewer than 100 employees
  • Has a small office
  • Makes less than $1 million in annual revenue
  • Operates in a low-risk industry
  • Needs less than 12 months of business interruption insurance

Talk to a licensed Insureon agent to find out if your landscaping business qualifies.

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What coverage can general liability provide for landscaping companies?

Third-party bodily injuries

If a client is injured by a rock kicked up by your lawn mower, your business might have to pay significant medical and legal expenses. General liability insurance covers:

  • Attorney fees
  • Settlements
  • Court-ordered judgments
  • Medical bills
  • Funeral expenses in fatal incidents

This policy does not cover employee injuries. For that, you’ll need workers’ compensation insurance.

Third-party property damage

General liability insurance protects landscaping businesses when customer property is damaged. For example, if an employee loses control of a leaf blower and damages a client’s window, your general liability policy could pay for repairing the glass. This policy can also cover legal expenses if a client sues to recoup costs.

Advertising injuries

While advertising your landscaping services, it’s possible to unknowingly imitate a competitor’s slogan or logo. Accidental advertising injuries are covered by general liability insurance. This includes:

  • Defamation, both libel (written) and slander (spoken)
  • Copyright infringement

If your company is working to gain clients with newspaper ads, social media posts, or other advertising, it’s important to have this policy in place.

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How much does general liability insurance for landscaping businesses cost?

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Most landscaping businesses pay a median of about $45 per month for general liability insurance, 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 policies for landscapers to consider

While general liability insurance covers many common lawn care and landscaping risks, it does not provide absolute protection. Other policies for landscapers to consider include:

Business owner's policy: A BOP bundles general liability coverage with commercial property insurance. It includes coverage for fires, theft, and other losses.

Commercial auto insurance: This policy covers the cost of an accident involving a business vehicle.

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: A cyber liability policy helps landscaping businesses recover financially from data breaches and cyberattacks.

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 general liability 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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Updated: June 9, 2022
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