We compared the top four most popular landscaping insurance companies to help you find the right fit for your business.
The best insurance for landscapers? Insurance Canopy, thanks to its affordable pricing, same-day coverage, and ease of purchase.
- Insurance Canopy: Best overall landscaping insurance
- Thimble: Short-term coverage
- The Hartford: Broad range of coverage options
- ERGO | Next Insurance: Broad coverage, online policy management
*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
Best Landscaping Insurance Companies Compared
Insurance Canopy
Starting Monthly Cost for General Liability*
- $40 per month
Same Day COI / Buy 100% Online
- ✅
General Liability (Base Policy)
- ✅
Unlimited Additional Insureds Included?
- ❌
Base Coverage Limit Compared
- $2,000,000
Thimble
Starting Monthly Cost for General Liability*
- $161.40 per month
Same Day COI / Buy 100% Online
- ✅
General Liability (Base Policy)
- ✅
Unlimited Additional Insureds Included?
- ✅
Base Coverage Limit Compared
- $2,000,000
The Hartford
Starting Monthly Cost for General Liability*
- $188.50/quarter ($62.83/month)
Same Day COI / Buy 100% Online
- ✅
General Liability (Base Policy)
- ✅
Unlimited Additional Insureds Included?
- ❌
Base Coverage Limit Compared
- $2,000,000
ERGO | NEXT
Starting Monthly Cost for General Liability*
- $100.84 per month
Same Day COI / Buy 100% Online
- ✅
General Liability (Base Policy)
- ✅
Unlimited Additional Insureds Included?
- ✅
Base Coverage Limit Compared
- $2,000,000
*Starting monthly cost was obtained by completing applications for those providers who offer an online quote process, and whenever possible, for a policy with the same limits as our base policy (e.g., $1M per claim / $2M per policy term). With some providers, your actual starting cost may vary based on your location, annual revenue, and other factors. To provide an honest comparison, our buyer is a solopreneur (no employees) based in Hartford, CT, earning $50,000 per year.
Insurance Canopy: Best Overall Landscaping Insurance
| Pros | Cons |
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| Cost: $40 per month or $375 per year | |
Key Coverages Included
Add-ons
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Standout features:
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Based on our research, Insurance Canopy is the best fit for most lawn care businesses. Policies start at just $33.75 per month for $500k/$1M coverage, and include general liability, personal and advertising injury, and products-completed operations.
For same-day coverage, instant COI, and unmatched affordability, Insurance Canopy is the clear winner.
Thimble: Flexible, Short-Term Coverage
Pros | Cons |
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Cost: $161.40 per month, plus a $2.50 monthly installment fee | |
Key Coverages Included
Add-ons
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Standout features
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Thimble may be a good option for landscapers seeking short-term coverage rather than an annual policy. A base policy includes general liability and personal advertising injury, with add-ons available for additional insureds and business equipment protection.
The Hartford: Broad Range of Coverage Options
Pros | Cons |
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Cost: $188.50/quarter ($62.83/month), plus $5 installment fee with AutoPay or $8 without | |
Key Coverages Included
Add-ons
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Standout Features
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The Hartford offers customers landscaping-specific insurance coverage. In addition to basic liability, they have add-ons such as workers compensation, commercial auto, and inland marine. Customer support is available in both English and Spanish during normal business hours.
ERGO | NEXT: Broad Coverage, Online Policy Management
Pros | Cons |
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Cost: $100.84/month | |
Key Coverages Included
Add-ons
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Standout Features
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ERGO | NEXT may appeal to landscaping business owners looking for 100% online purchase and policy management. It provides multiple policy packages that bundle coverages, and offers add-ons like workers compensation, tools and equipment, and commercial auto.
Progressive: Best for Landscapers Needing Commercial Auto
Pros | Cons |
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Price: $61.28 per month | |
Coverages offered:
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Standout features:
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What to Look for When Comparing Landscaping Insurance Companies
The best insurance for lawn care business owners is affordable, comprehensive, and easy to manage. You’re busy, and insurance can be confusing, so it’s important to compare providers to find one that gets you exactly what you need.
For example, look beyond each company’s monthly premium. A lower price can come with lower coverage limits and less protection, leaving you with a pile of costly add-ons to consider.
Here’s what to compare to decide which is the best lawn care insurance for your business:
- The amount of coverage included: Consider the total policy limit, including the maximum amount per claim.
- The cost per month or year: Factors like discounts, location, and income can impact your actual pricing.
- Add-ons you need: Assess whether you need coverage for your tools, commercial auto coverage, or workers compensation requirements.
- Scalable options: If you plan on expanding your business in the future, make sure your insurer can meet your growing needs.
Protect Your Business With the Best Landscaping Insurance
We make buying landscaping coverage fast, affordable, and easy. Whether you’re just covering the basics with general liability or customizing your coverage with add-ons, our policies are built to match how you work. With Insurance Canopy, the best insurance for landscapers is just a click away.
FAQs About How to Get the Best Landscaping Insurance
What insurance do landscapers actually need?
Most landscapers start with general liability. From there, your coverage depends on your business needs. For example, tools and equipment coverage is worth adding if damaged or stolen gear would slow down your work. Do you save store customer data digitally? You’ll want to add cyber liability insurance.
How much does landscaping insurance cost per month?
Your monthly premium depends on your limits, crew size, location, and services. Base pricing starts at just $33.75 per month for general liability, with optional coverages available to further customize your policy.
Can I get an instant COI and add an additional insured online?
Yes, your online dashboard makes it easy to obtain your proof of insurance and add additional insureds to your policy. Simply log on to your account and make any changes you need.
Is equipment or trailer coverage included in my policy?
No, equipment and tools insurance (which includes trailer coverage) is an optional add-on to your base policy. A stolen or damaged mower, trimmer, or a detached trailer could delay jobs and hit your wallet hard, so it’s worth adding equipment and tools to your policy.
