- 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.
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
- 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.
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.
Other policies for landscapers to consider
While general liability insurance covers many common lawn care and landscaping risks, it does not provide absolute protection. Regardless of whether you specialize in landscape design, lawn care, or irrigation installation, accidents happen. Other policies to consider include:
Commercial auto insurance: This policy covers vehicles owned by your landscaping business. It pays for accidents, theft, vandalism, and other types of damage.
Workers’ compensation insurance: Required in almost every state for landscaping businesses that have employees, workers’ comp can cover medical expenses for work injuries.
Contractor’s tools and equipment insurance: This policy repairs or replaces 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 landscape design, lawn care, tree service, irrigation, or other 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.