Landscaping Services Insurance
Coverage for Landscaping Professionals
Protect your business, your tools, and your team so you can focus on creating beautiful outdoor spaces.
Why Landscapers Need More Than Basic Business Insurance
Every business faces risks, but for landscapers, the stakes are higher because your work is done on someone else’s property. From maintaining lawns to installing patios, you’re responsible for protecting your clients’ homes, their safety, and your own team. Landscaping services insurance gives you peace of mind so you can focus on your craft.
Risks Landscaping Businesses Face Every Day
Even the most careful landscaper can run into unexpected problems, including:
Damage to a client’s patio, deck, or other high-value property.
A client or visitor tripping over equipment left on-site.
Chemical spills or injuries from herbicides and fertilizers.
Liability for damage caused by subcontractors.
Equipment theft or damage while being transported between job sites.
Vehicle accidents while hauling tools and machinery.
Employee injuries or accidents on the job.
Core Coverages for Landscaping Services
To help safeguard your landscaping business, consider these essential coverages:
General Liability Insurance – Covers injury or property damage claims from clients or third parties.
Business Auto Insurance – Protects vehicles, employees, and equipment during transport.
Commercial Property Insurance – Covers your office, storage facility, and on-site assets.
Inland Marine & Installation Floater – Protects tools, machinery, and materials on the move or at a job site.
Workers’ Compensation Insurance – Helps cover medical costs and lost wages for injured employees.
Commercial Umbrella Insurance – Provides extra protection beyond standard policy limits.
Business Income Insurance – Helps replace lost income after a covered disruption.
Cyber Liability Insurance – Covers data breaches involving customer information.
Employment Practices Liability Insurance (EPLI) – Protects against employee-related claims.
Why an Umbrella Policy Matters
Lawsuits from serious injuries or property damage can exceed standard liability limits. A commercial umbrella policy extends your protection with higher limits and broader coverage, keeping your business safe from financially devastating claims.
Protecting Your Equipment and Crew
Your landscaping tools and machinery are essential to your livelihood — and often expensive to replace. With the right inland marine or equipment coverage, you can be back to work quickly if they’re damaged or stolen. Meanwhile, workers’ compensation ensures that your team is protected in case of injury, while keeping your business compliant with legal requirements.
Custom Coverage for Your Landscaping Business
From trucks and riding mowers to excavation equipment and office property, your insurance plan should be tailored to your exact needs — covering the tools, vehicles, property, and people that keep your landscaping business running.
Ready to protect your landscaping business?
Let’s create a custom insurance package that keeps you covered from the ground up. Contact us today to get started.
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