Protect the Business You’ve Grown—From the Yard to the Jobsite
Trucks, trailers, mowers, crews, chemicals and customer property move together every day. We help landscaping businesses identify hidden gaps and coordinate protection around the work they actually perform in every season.
Landscaping Risk Travels With Every Crew
A trailer accident, stolen mower or chemical application can affect vehicles, equipment, customers, employees and revenue at the same time. Your protection plan should connect those consequences instead of leaving each policy in its own silo.
Trucks, Trailers & Drivers
Commercial vehicles, towing exposures, driver eligibility, employee-owned vehicles and equipment transported between jobs.
Mowers, Tools & Equipment
Theft, collision, fire and damage involving mowers, skid steers, trimmers, blowers, hand tools and rented equipment.
Customer Property
Broken windows, damaged irrigation, underground utilities, hardscape damage, fallen trees and work in your care.
Employees & Seasonal Labor
Cuts, falls, lifting injuries, heat exposure, equipment accidents, payroll changes and seasonal classifications.
Chemicals & Pollution
Pesticide or herbicide drift, fertilizer runoff, spills, storage, misapplication and environmental cleanup obligations.
Snow & Ice Operations
Plowing, salting, slip-and-fall allegations, property damage, subcontractors and demanding winter service contracts.
Coverage Built Around the Whole Operation
The right structure depends on your services, vehicles, drivers, equipment, payroll, contracts, chemicals and seasonal work. A typical review may include:
General Liability
- Customer injury and property damage
- Products and completed operations
- Care, custody or control considerations
Commercial Auto
- Owned trucks and service vehicles
- Trailer and towing exposures
- Hired and non-owned auto
Tools & Mobile Equipment
- Inland marine for equipment in transit
- Mowers, loaders and specialized machinery
- Employee tools and rented equipment
People & Employment
- Workers’ compensation
- Employment practices liability
- Employee benefits and voluntary solutions
Property & Income
- Buildings, contents and stored equipment
- Business income and extra expense
- Crime and employee dishonesty
Specialized Protection
- Pesticide, herbicide and pollution liability
- Snow-removal and tree-work exposures
- Cyber and umbrella liability
From Risk Assessment to Ongoing Protection
Understand the Operation
We learn what your crews do, where they work and how vehicles, equipment, employees, chemicals and contracts fit together.
Identify and Prioritize Gaps
We review the current program, flag exclusions and limit concerns, and separate urgent issues from future improvements.
Build and Maintain the Plan
We coordinate the solution, support certificates and implementation, and revisit it as equipment, payroll, services and seasons change.
Landscaping Insurance FAQs
Are mowers and tools covered while they are in a trailer or at a jobsite?
They may require inland-marine or equipment coverage designed for property that moves. Limits, valuation, storage, theft conditions and the equipment schedule should reflect what travels with each crew.
Does commercial auto automatically cover the trailer and everything inside it?
Not necessarily. Liability and physical damage for the vehicle, trailer damage and equipment inside the trailer may fall under different parts of the protection plan. Each exposure should be reviewed separately.
What protects us if pesticide or herbicide damages neighboring property?
Standard liability policies may limit or exclude pollution and chemical-application losses. Businesses applying pesticides, herbicides or fertilizer should review endorsements or specialized pollution coverage.
Do snow-plowing services change our insurance needs?
Yes. Snow and ice work adds vehicle, property-damage and slip-and-fall exposures, often with strict contract requirements. Plowing, salting, subcontractors and recordkeeping should be disclosed and reviewed.
What information should be updated during the year?
Report material changes in vehicles, drivers, equipment, payroll, services, chemicals, locations and contracts. Seasonal businesses should review projected payroll and revenue before peak periods—not after an audit surprise.
Know Where Your Landscaping Business Is Exposed Before the Next Job Finds the Gap
Start with a practical risk assessment—not a generic quote. We’ll help you understand the risks, priorities and protection options for your landscaping or lawn-care business.
Coverage availability, eligibility, terms, conditions and limits vary by carrier and state. This page provides general information only and does not alter or replace any insurance policy.
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