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Recommended insurance policies for landscaping professionals
Equipment theft, bodily injury, or a lawsuit could devastate your landscaping business. Insureon helps you find coverage that matches the unique risks faced by lawn care and landscape contractors.
General liability insurance
This policy covers common landscaping risks, such as accidental damage to a client's yard. Bundle it with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel / slander lawsuits
Workers’ compensation insurance
Most states require workers' comp for lawn care and landscaping companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Tools and equipment insurance
This policy covers lawn mowers, chainsaws, and other tools brought to work sites if they are lost, stolen, or damaged. The items typically must be less than five years old.
BEST FOR
- Items valued less than $10,000
- Mobile equipment
- Small tools
Commercial auto insurance
This policy covers legal costs and property damage in an accident involving a landscaping business' vehicle. It also covers vehicle theft and vandalism.
BEST FOR
- Auto accidents
- Vehicle theft
- Vandalism and weather damage
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for landscaping businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Accidental damage to a client's property
- Damage to your building or its contents
License and permit bonds
Landscapers often need a surety bond to get a contractor's license in their state or to do certain kinds of work. A bond provides a financial guarantee that your business will comply with regulations.
BEST FOR
- State licensing requirements
- Pesticide application permits
- Land grading permits
Looking for different coverage? See more policies.
How to get business insurance today
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View video transcript.
We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build.
Start here. Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.
Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.
Always online, always on your side. Helping protect your business.
How much does insurance cost for landscaping businesses?
A small landscaping business can expect to pay less for insurance than a larger business.
Several factors determine the cost of insurance for landscapers:
- The landscaping services you offer, such as pesticide and herbicide
- Business property and equipment
- Business income
- Number of employees and payroll
- Coverage limits and deductibles
- Additional insured endorsements
How do I get landscaping business insurance?
We make it easy for you to find insurance for your landscaping business, whether you work in irrigation, landscape design, tree services or have a lawn care business.
Our application will ask for some basic facts about your business, such as your annual revenue and how many employees you have. You can compare free quotes online, buy a policy and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare landscaping insurance quotes and choose policies
- Pay for your policy and download a certificate for proof of insurance
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage and policy limits for your landscaping company, whether you work by yourself, with a partner, or manage a large team.
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Frequently asked questions about landscaping insurance coverage
Do I need a license and bond for my landscaping business?
There are 16 states that require a landscaping license. Even if your state doesn’t require one, you’ll likely need a business license before you can perform landscaping work. You might also need an additional license to use pesticides.
Many states require a surety bond for landscaping businesses, which are a type of contract between your business, your clients, and an insurance company. It acts as a landscaping insurance policy that will reimburse a client if you fail to deliver your contracted services. In the landscaping industry, these bonds are also known as a license bond, because they’re often required to obtain a license.
What other types of insurance do I need for my landscaping business?
To fully protect your landscaping business, you should consider additional insurance coverage, including:
- Commercial property insurance covers your business’s physical location and business personal property (BPP) at that location, such as landscaping equipment. You can bundle this coverage with general liability insurance in a business owner's policy at a discount, or just add a BPP endorsement to your general liability policy if you don't have an office.
- Inland marine insurance provides business insurance coverage for your landscaping tools and equipment while they're in transit, used at a jobsite, or stored off-site. Contractor's tools and equipment coverage is a specific type of inland marine insurance for newer items valued at under $10,000.
- Hired and non-owned auto (HNOA) insurance provides liability coverage for accidents involving any personal, leased, or rented vehicles used by your business. Your personal auto insurance is unlikely to cover you for a work-related accident.
- A pesticide or herbicide applicator endorsement on your general liability policy offers liability protection for any pesticides or herbicides applied by your business, which is otherwise excluded from general liability coverage.
How fast can I get coverage and a certificate of insurance for my landscaping business?
Most business owners can get covered and obtain a certificate of insurance (COI) within a matter of hours. Businesses that are difficult to insure can usually get their certificate within 48 hours. Once you’re covered, you can access and download your COI at any time.
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