Landscaping Insurance

Trailer and equipment coverage, also known as inland marine insurance, protects your business from lengthy interruptions in the case of detached trailer or equipment damage. With this coverage, you can rest easy knowing that your gear — including mowers, trimmers, ladders, protective gear, and more — is safeguarded against theft and accidental damage.

Workers compensation for landscaping companies includes coverage for medical costs and lost earnings when an employee is injured during work. Whether it’s a slip on uneven ground, a mower mishap, a strained back from hauling stone, or heat exhaustion on a scorching day, workers comp covers medical bills and lost wages.

In most states, it’s a legal requirement — and beyond compliance, it gives your team peace of mind knowing you’ve got them covered when accidents happen.

Surety bonds are crucial for landscaping companies, as they protect your operations and build client trust. This bond involves three main parties: the landscaping contractor (you!), the client, and the surety company, which guarantees you will meet the contract’s obligations.

While surety bonds are not mandatory everywhere, they are required to legally perform landscaping work in many jurisdictions and on public construction projects.

With a surety bond in place, clients can invest with assurance. You can purchase your bond in your customer dashboard after you’ve purchased your landscaping Insurance policy — just a few clicks and you’re covered.

Types of bonds we offer:

• Business Service Bonds
• License & Permit Bonds
• Contractor Bonds
• Custom Pesticide Applicator Bonds

An additional insured is an individual or entity added to your policy to extend coverage to them in specific situations. Clients who hire landscaping contractors often require this to protect themselves from liability if something goes wrong on the job.

For example, if a landscaping company is hired by a property management firm to maintain the grounds of a commercial building, the property management firm may request to be added as an additional insured. Similarly, a homeowner’s association (HOA) might ask to be included when contracting a landscaper for neighborhood maintenance. This ensures that if any accidents, injuries, or property damage occur during the landscaping work, both the landscaping company and the client are covered under the policy.

Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your landscaping business, Cyber Liability Coverage can help you with:

• Data Breach Notification Costs
• Customer Data Loss
• Ransomware and Cyber Extortion
• Legal Fees
• Business Interruption Fees

Professional liability insurance assists landscapers when met with claims of errors, mistakes, or negligence in their professional design, advice, or services — such as incorrect plant selection, improper drainage planning, or failure to meet design specifications — that result in financial loss or damage to clients.

If a client sues over professional advice or unsatisfactory design work, this coverage helps pay for legal fees, court costs, settlements, and judgments.

Having commercial auto insurance is crucial for a landscaping business. Whether you’re hauling mowers, transporting crews, or moving materials between job sites, accidents on the road are all-too-common.

Commercial auto insurance covers vehicle damage, medical expenses, and liability claims, ranging from minor fender benders to serious collisions. Most personal auto policies do not cover business use — and in many states, commercial auto insurance is a legal requirement.