Gardening Insurance
- Covers Accidental Damage – Protection if you accidentally break a water line
- Meets Client Requirements – Show proof of coverage to work with homeowners and HOAs
- Protects Your Tools – Optional coverage for shears, spades, wheelbarrows, and more
4.7/5 on
Why Do Gardeners Need Insurance?
Working outdoors has its perks… sunshine, fresh air, the occasional high-five from a butterfly. But even the best days can come with a few bumps. A cracked bird bath, stolen trowel, or client injury could put a dent in your day and your wallet. Gardeners public liability insurance helps cover common lawn care mishaps, so you keep doing what you love: helping things grow.
If you break a client’s garden gnome by accident
General liability insurance can help repair or replace the damaged item.
If a client trips over your hose and gets hurt
General liability insurance helps pay for their medical bills and legal fees if they sue.
If your gear is stolen while you’re on a job
Trailer and equipment coverage helps pay to replace it so you can get back to work quickly.
If your client data gets hacked in a data breach
Cyber liability insurance helps cover notification costs, legal fees, and credit monitoring services.
Valley Custom Lawn Services for Insurance Canopy
How Much Does Gardening Insurance Cost?
The cost of gardening insurance with Insurance Canopy starts at just $31 a month. That’s less than a new pair of good work boots and way more useful if something goes sideways. Whether you work year-round or just during peak season, you can tailor coverage to fit.
Your cost depends on things like how big your business is, the kind of work you do, and how much protection you want. Knowing those details lets you choose the right plan without overpaying, protecting your peace of mind in the process.
Pro tip: Switch to an annual policy and you can save up to 12%. Even seasonal pros can benefit, because tools don’t stop being valuable in the off-season, and neither do you.
What Does Gardeners Insurance Cover?
Our gardening business insurance covers everything from ground-level accidents to equipment damage — everything you need to help your gardening business grow strong roots.
Included
General Liability Insurance (Public Liability Insurance)
Gardening involves sharp tools, uneven terrain, and working on a clients’s property. General liability insurance protects you and your business from third-party claims involving injuries and property damage. It covers things like:
- Medical bills if a client gets hurt after tripping over your rake or watering hose
- Repair costs if you accidentally damage a client’s custom planter, fence, or irrigation system
- Legal fees and settlements if a client sues for property damage or injury
Many clients, including homeowners associations (HOAs) and city parks, require this coverage before hiring your services. Also, it’s important to note that this coverage does not extend to injuries sustained by you or your employees, only your clients and other third parties.
Add-Ons
Trailer & Equipment Coverage
You can’t work without working tools! From hedge trimmers to power tillers, trailer and equipment insurance (also known as inland marine) covers claims of theft and accidental damage. It’s designed to protect your gear in your trailer, on-site, or in storage. It covers:
- Stolen tools from your truck, trailer, or shed
- Damage during transport or while in use
- Vandalism while equipment is left on a job site
Note: This policy does not cover mysterious disappearances.
Workers Compensation Coverage
Most states require that you carry workers compensation insurance if you have employees. It’s designed to pay for medical expenses and lost wages if one of your employees gets injured on the job. It covers:
- Medical treatment for work-related injuries
- Physical therapy and recovery support
- A portion of lost wages while recovering
- Legal fees if your business faces a workplace injury claim
Note: Workers comp does not cover independent contractors or non-work-related employee injuries.
Commercial Auto Insurance
You rely on your vehicle to move between jobs, haul gear, and transport plants. Commercial auto insurance protects your business when you’re driving for work — something personal auto policies usually won’t cover. It can cover things like:
- Vehicle repairs after a collision on the way to a client’s jobsite
- Medical expenses if you’re involved in an accident while using your vehicle for work
- Theft or vandalism of tools stored in your work vehicle
Gardening Surety Bonds
Surety bonds give your clients peace of mind. They involve three parties: you (the gardening contractor), your client, and the surety company. The surety company guarantees you’ll fulfill your contract, protecting your reputation and building trust with clients.
Many local laws, homeowners associations (HOAs) and government or public project contracts mandate bonding for gardening and landscaping. After purchasing gardening insurance, you can easily purchase a bond from your Insurance Canopy dashboard. We offer:
- Business Service Bonds
- License & Permit Bonds
- Contractor Bonds
- Custom Pesticide Applicator Bonds
Additional Insureds
When working on commercial or rental properties, the property manager or landlord may ask to be added as an additional insured on your policy. This extends your general liability coverage to protect them from claims tied to your work.
Add additional insureds during checkout or from your dashboard anytime for just $10 per year, per party. It’s a simple way to meet contract requirements and build strong business relationships.
Cyber Liability Insurance
No matter the size of your operation, you likely store client data online or use invoicing apps, scheduling software, or payment portals. Cyber liability insurance protects your business from the financial risks of cyberattacks and data breaches. It can help with:
- Legal costs and client notifications after a breach
- Ransom payments if you’re hit with malware
- Public relations and credit monitoring support
- Data recovery and system repair costs
You’re a potential target if you store client info or accept online payments. This policy helps you bounce back!
Coverage Limits for Gardeners Public Liability 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
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 Gardeners Are Choosing Insurance Canopy
Because planting protection is just good soil sense. Gardeners across the country are digging the peace of mind that comes with coverage built for their unique risks, without paying through the petunias.
From cracked birdbaths to trowel theft, we help keep your green thumb out of legal trouble and your business blooming.
Smart gardeners know: protect what you plant. Here’s why so many are choosing Canopy:
Designed for Solo Gardeners and Growing Crews
Flexible policies that scale with your business
Protects Your Gardening Gear
Optional coverage for shovels, shears, compost tools, and trailers.
Meets Contract and HOA Requirements
Stay compliant and win jobs in private yards or shared community spaces.
135,000+ Small Businesses Trust Insurance Canopy
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This 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
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
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
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions About Gardening Insurance
What activities aren’t covered by gardening insurance?
Gardening insurance doesn’t cover tree removal and any tree trimming performed above ground using ladders, scaffolding, hoists, or similar equipment. It also doesn’t include landscape design or architectural services. Irrigation and sprinkler system installation isn’t covered, though minor repair work may be allowed.
Do I need gardening insurance if I work alone?
Yes. Even if you work solo, gardening comes with risks, like property damage, injuries, or stolen tools. Gardening insurance helps protect you from out-of-pocket costs if something goes wrong. Plus, many clients or job sites require you to show proof of insurance before you can start.
Is my gardening insurance policy effective immediately?
Yes! As soon as your payment goes through, your coverage sprouts instantly. No waiting, no downtime, just reliable protection the moment you need it. Whether you’re trimming hedges, planting perennials, or mowing a new client’s lawn, you’ll be covered from day one.
Can I cancel my gardening policy at any time?
Yes, you can cancel your policy anytime from your customer dashboard. Just keep in mind: once coverage kicks in, it’s typically non-refundable. Be sure to review your policy details and think through the risks of cancelling before pulling it up by the roots.
Not working year-round? We get it. Seasons change, and so does your work. Instead of canceling, reach out to our team. We may be able to help you pause your policy. That way, when spring returns and it’s time to get your hands dirty again, your coverage will be ready to grow with you.
How do I file a gardening claim?
Filing a claim is quick and easy:
- Log in to your account
- Go to “Manage Policies”
- Select “File a Claim”
- Enter the details, and a claims adjuster will handle the rest
If our team needs anything else, we’ll reach out to you directly.
How do I renew my gardening insurance policy?
Your gardening insurance policy renews automatically, so you don’t have to worry about losing coverage. We’ll even send you a reminder before the renewal date! Want to handle it yourself? No problem; you can opt out and renew on your own when the time comes.
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, 9 am – 5 pm MDT
(se habla español)
Mow Down Risks With Insurance Canopy
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