Business Insurance for Landscape Designers

Landscape Design & Installation
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Why do landscape designers need business insurance?

Whether you design landscapes from an office or on site, your vision will become a real setting that people will explore. That opens up the possibility of injuries, or accidental damage to someone else's property. Shield your small business with insurance coverage tailored for landscape designers.

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Find the right coverage

Insureon helps landscape designers find insurance policies that match your unique business needs.

Get free expert advice and peace of mind knowing you have the right property and liability coverage.

What types of insurance do landscape designers need?

These policies cover the most common risks in landscape design.

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General liability insurance

A general liability policy covers basic third-party risks, such as a lawsuit from a customer who tripped over hedge clippers. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and other advertising injuries
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Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for landscape designers to buy general liability coverage and commercial property insurance together.

  • Customer injuries
  • Damaged customer property
  • Damaged or stolen business property
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Commercial auto insurance

State laws require a commercial auto policy for any vehicle owned by a landscape design company. It helps cover financial losses when a business vehicle gets into an accident.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
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Workers’ compensation insurance

Most states require workers' comp for landscape design businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
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Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a landscape contractor’s shovels, hand pruners, and other tools. It's a type of inland marine insurance.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
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Cyber insurance

This policy helps landscape designers recover financially from cyberattacks and data breaches. It's strongly recommended for any business that handles sensitive information.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

How much does insurance cost for landscaping professionals?

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A landscaping company with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Landscaping services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get landscape design business insurance?

It's easy to get landscape designer insurance and landscape architect insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find the right landscaping insurance and license/permit bonds for your business, whether you work independently or hire employees.

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