Gardening Insurance Keeps Your Business Flourishing

Starting At

$31/ month

or save 12% when you choose annual
4.8/5
Image of a gardener overlayed by certificate of insurance

Why Do Gardeners Need Insurance?

While insurance for gardeners can seem like a big-business luxury, it’s imperative for keeping your gardening business thriving. With this protection in place, you can focus on what you love—transforming gardens and landscapes—while knowing you’re covered if something goes wrong.

If a prized bird bath breaks

General Liability coverage ensures it can be replaced, good as new!

If a client gets injured by falling debris

Ouch. Let us handle the medical expenses for accidents on the job.

If you fail to meet client expectations

Lawsuits can be pricey; we’ll cover the defense costs.

If your favorite trowel is stolen

Not “Old Rusty”! 😩 We’ll replace your equipment (but you’ll need to make new memories).

If a fire destroys your warehouse

Don’t despair—we’ll handle the damages.

How Much Does Gardening Insurance Cost?

We know you want comprehensive coverage that doesn’t set you back financially. Here’s the twist… that’s what we want, too. 🙂 At just $31 a month, we offer lawn business insurance coverage that doesn’t break the bank and comes through for you when needed.

  • Size of Your Business: Got a lot of flowers to manage? Higher premiums.
  • Location: Your rates can vary based on where you’re planted and local risks.
  • Claims History: Had claims before? Expect those premiums to go up.
  • Coverage Limits: Need higher limits? That’ll add to the cost.

Save when you choose annual!

Why juggle monthly payments when you can take care of it all at once? Save 12% by paying $336 upfront for the year, and kick back with the peace of mind that your gardening insurance is all set. It’s like giving yourself a little gift of convenience!

What Does Gardening Business Insurance Cover?

From stolen gardening tools to data leaks, our policy inclusions have been informed by gardening professionals just like you!

Included

General Liability Coverage

Property damage and third-party bodily injury claims are the most common in the gardening industry. General liability policies cover all of these scenarios and more. For instance, if a client or passerby is injured by a loose garden tool while you’re pruning bushes, or if a stray pebble from your trimmer accidentally cracks a nearby window, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.

Additional Insureds

Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. For example, if your crew accidentally damages a client’s property while mowing the lawn or applying fertilizers, the additional insured is protected under your coverage.

This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.

Add-Ons

Cyber Liability Coverage

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

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

Tools and Equipment Coverage

Tools and equipment coverage, also known as inland marine, is here to save your blade (and your business). This insurance protects your essential gear—from extra-tough gloves to wheelbarrows—against theft, damage, and mysterious mishaps. So, whether it’s a runaway spade or pocketed pruning shears, rest easy knowing your prized garden gadgets are covered.

Workers Compensation Coverage (Coming Soon!)

Ever thought about what happens if your best gardener slips and falls on the job? Workers compensation for gardening businesses is an insurance policy that covers medical expenses and lost wages if your employees get injured while making lawns pristine.

Commercial Auto Coverage (Coming Soon!)

Imagine your trusty work truck getting sidelined by a fender bender—ouch! That’s where commercial auto coverage for lawn care services comes in. It covers everything from accidents to repairs, keeping your operation rolling smoothly. Whether it’s the ride hauling your fertilizer or the van transporting your team, this insurance ensures you’re back on the road in no time.

Get notified when Commercial Auto is available in your state!

What’s Not Covered by Gardening Insurance?

Gardening insurance ineligible/excluded operations include:

  • Tree removal: If it’s lumberjack work, it’s out of our league.
  • Tree trimming conducted other than from the ground up (without using walls, ladders, roofs, scaffolding, hoisting equipment, etc.): Keep your feet on the ground, and we’re all good.
  • Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
  • Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
  • Hardscaping: Paving the way? Not on our policy.
Have a unique situation you’re afraid won’t be covered? Chat with us about the specifics and we’ll see what we can do!
Woman farmer thinking with question mark and computer overly

I’m Sold! But What Policy Do I Choose?

Unsure which gardening insurance policy best fits you? Consider the scope of your operations (aka, what a day on the job looks like) and daily risk factors (aka, what could land you in hot water). Find what best describes your business:

New & Growing Businesses

We describe new gardening businesses as those with minimal client interactions and low-risk environments. If you offer a singular service—such as planting, seeding, fertilizing, etc.—and interact with only a handful of customers per season, you may fall into this category.

Growing businesses have more frequent client interactions and moderate risk exposure. You could be juggling additional services such as landscaping designs, pest control, or tree care, but not necessarily need a large safety net quite yet.

Start strong with a General Liability Insurance Policy. At this level, we recommend our package with a coverage rate of $500,000 per incident / $1,000,000 per year — ideal for covering basic risks.

Established Business

Established gardening businesses have significant client interactions and higher risk exposure. If you have a backlog of flowers to plant and are a well-known biz in your neighborhood, the likelihood of running into trouble at some point is likely. As you expand your clientele or services, this risk also increases—so you’ll want to know what your policy can deliver.

Insurance Canopy’s elevated General Liability Insurance package offers coverage of $1,000,000 per incident / $2,000,000 so you can keep growing in confidence. And don’t forget to add Workers’ Compensation insurance to the mix to protect your employees in case of work-related injuries. It’s a smart move to keep your team safe and your business running smoothly.

Please note: we’re in the business of small businesses, so our coverage is only available for businesses with payroll under $200K and annual revenue under $1.5M.

Tools and Equipment Insurance

This one’s a must-have for gardening businesses. Your tools and equipment are what keep those gardens and your business booming. Without proper coverage, unexpected damages or theft could leave you scrambling and disrupt your service commitments, potentially costing you clients and revenue. Our packages include:

  • $1,000 per incident / $3,000 per policy year (+$3.33/month): Adequate for new businesses with limited equipment.
  • $2,000 per incident / $6,000 per policy year (+$4.58/month): Suitable for growing businesses with a moderate amount of equipment.
  • $5,000 per incident / $10,000 per policy year (+$5.00/month): Best for established businesses with significant investments in tools and equipment.
If you’re still unsure, don’t sweat it. Our expert team can help match you with a policy that fits both your needs and your budget.

Coverage Limits for Gardening Business Insurance

Maximum Gardening Liability Insurance Limits

The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.

$2,000,000

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement

$1,000,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$100,000

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

$5,000

Optional Coverage Options

Tools & Equipment Coverage

Limits 

Premium 

Deductible

$5,000 Policy Year

$155

$500

$10,000 Policy Year

$258

$25,000 Policy Year

$670

Specific Questions? We’re on it.

Monday to Friday, 8 am – 8 pm EST

(se habla español)

Why Your Competitors are Choosing Insurance Canopy

Because they realize that protecting their assets with us is like grounding in good soil. 🙂 Hundreds of small gardening businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.

Insurance You Can Rely On

Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏

Simplified Coverage

Comprehensive, personalized insurance for your business – only pay for what you need

Expert Support

Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!

Hear What Our Real Clients Have To Say

  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

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    July 12, 2024
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    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

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    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

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    April 2, 2024
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    It was fast and easy.

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    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

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    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

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    March 26, 2024

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    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

You have questions. We have answers.

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Our team is always ready to help answer your questions. Smile included.

Want to talk to a real person? We do that too.

Monday to Friday, 8 am – 8 pm EST
(se habla español)

Mow Down Risks With Insurance Canopy

Related Articles

Exclusions

  • Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
  • Handling infectious waste or hazardous materials: Leave the biohazards to the professionals in hazmat suits, please.
  • Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
  • Swimming pool, water feature, or pond installation/maintenance: We’ll stick to swimming in paperwork, thanks!
  • Retaining walls, land preservation, or erosion control: Building walls is beyond our coverage—just call us the anti-Humpty Dumpty.
  • Hardscaping: Paving the way? Not on our policy.
  • Window washing: We’ll admire the view from the ground, streaks and all.
  • Exterior work over two stories: Heights give us vertigo—two stories or less, please 😬
  • Use or application of any pesticide or herbicide requiring a license: No chemical warfare in the garden, okay?
  • Stump grinding or removal: We’re stumped on this one—no grinding allowed!
  • Inspection, appraisal, or surveying: We don’t do the measuring tape thing.
  • Planning or designing land development (e.g., parks, recreational areas, airports, highways, hospitals, schools, land subdivisions, commercial, industrial, or residential areas): Dream big, but the grand designs aren’t covered.