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Landscaping Insurance
A rock thrown from a mower or a cut irrigation line can lead to a claim, and many landscapers don't find the gaps in their policy until it happens. We compare insurance companies that write landscaping, cover your trucks, trailers and mowers, and match your certificates to what property managers and HOAs require. Call or text and talk with a real person, in English or Spanish.
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Landscaping
Coverage Built for Landscapers
Mowing, installs and maintenance put your crews and equipment on customers' property every day. We match coverage to the work you actually do.
- General liability for maintenance and installs
- Equipment coverage for mowers, trimmers and trailers
- Commercial auto for trucks and trailers
- Workers comp for your crews
- Coverage for pesticide and herbicide work where needed
- Umbrella limits property managers require
Good to Know
Before You Buy
Your contracts and chemical work both shape what a landscaping policy needs. We go through each point with you before you sign.
- Additional insured. Commercial property managers and HOAs often require additional insured status and set limits.
- Equipment. Mowers, trimmers and trailers need equipment coverage, since liability doesn't cover your own gear.
- Chemicals. Applying pesticides or fertilizer can require a state license and may be excluded from some liability policies.
- Trucks and trailers. Your truck and trailer need commercial auto. A personal policy may not cover work use.
- Workers comp. Many states require contractors to carry workers comp, in some states from the first employee.
- Snow removal. Snow and ice work is often rated separately or excluded. Tell us if you plow or salt.
Pair It With
Gaps Landscaping Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Questions
What Landscaping Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is my trailer covered by my truck policy?
Liability usually extends to a trailer you're towing, but damage to the trailer itself and the equipment on it needs its own coverage. We check both.
Do I need coverage for spraying?
Pesticide and herbicide work can be excluded on some policies. Tell us if you spray so we place you with the right coverage.
What do HOAs need on my certificate?
Usually additional insured status and set limits. Send us the contract and we'll match it.
Need a Certificate for a Property Manager?
Send us the contract and we'll match the requirements.