Landscaping Insurance
- Covers Damage From Flying Debris – Stay protected if your mower throws a rock
- Complies With Client Contracts – Qualify for contracts quickly
- Protects Your Trailers & Tools – Add protection for your mowers, blowers, and trailers
4.7/5 on
Why Do Landscaping Businesses Need Insurance?
While you’re out there making the world a greener place, the unexpected can strike at any time — that’s why business insurance for landscaping is crucial. With this safety net in place, you can continue your work with peace of mind, knowing you’re protected against the landscaping industry’s most common claims.
Who Needs Landscaping Insurance?
Activities We Cover
- Lawn Mowing & Maintenance
- Landscaping
- Gardening
- Leaf Raking
- Gutter Cleaning
- Groundskeeping
- Tree & Shrub Trimming
- Hanging Christmas Lights
- Fertilizing
- Weed Killing/Prevention
- Thatching or Aerating
- Planting Flowers, Small Trees, Shrubs
- Interior Landscaping
If a string trimmer flings a rock into a client’s window
General liability insurance makes sure your clients are reimbursed.
If you hit a pipeline while digging a flower bed
General liability insurance helps cover potential legal expenses.
If an employee sprains an ankle after tripping over a hose
Workers compensation coverage aids with medical costs.
If your detached trailer is stolen
Trailer & equipment coverage helps replace damaged or stolen equipment.
Valley Custom Lawn Services for Insurance Canopy
How Much Does Landscaping Insurance Cost?
Secure your landscaping business with insurance starting at only $31 per month. Our competitive coverage is tailored to your needs, and understanding the factors that influence your final premium costs can help you make the best choice for your protection. Plus, pay annually and save up to 12%!
Recommended Insurance Coverage for Landscaping Businesses
Our insurance for landscape contractors includes required general liability coverage for client contracts. We suggest adding coverage for worker injury, employee dishonesty, and theft or loss of supplies. Review excluded activities before purchasing.
Included
General Liability Coverage
General liability insurance for landscapers shields you from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming trees or if a rock from your lawnmower accidentally shatters 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.
General Liability can help pay for:
- Medical payments
- Property damage
- Legal costs
Add-Ons
Trailer & Equipment Coverage
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 Coverage
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.
Landscaping Surety Bonds
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
Additional Insureds
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.
Cyber Liability Coverage
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 (Coming Soon!)
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.
Commercial Auto Coverage
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.
Coverage Limits for Landscaping Business Insurance
Maximum Landscaping 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
Have questions?
Our non-commissioned, licensed agents are available to answer any questions you may have!
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Landscapers are Choosing Insurance Canopy
Your business means everything to you — and we see that. Insurance Canopy brings industry know-how and transparency, so you can focus on what truly matters.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your landscaping business.
Tailored for Small Businesses Like You
We’re aware of the unique risks landscaping contractors face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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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
How To Get Insurance For Your Small Landscaping Business
To get insurance for your landscaping business with Insurance Canopy, follow these steps:
- Fill out our online application with details about your business, services, and coverage needs.
- Review and customize your coverage by choosing options like trailer & equipment, workers compensation, or cyber liability coverage.
- Get an instant quote and adjust limits if needed.
- Purchase your policy online and receive immediate proof of insurance to start protecting your business!
Questions About Liability Insurance For Landscaping Businesses
What is landscaping insurance?
Landscaping insurance is a type of business insurance designed to protect landscaping professionals from financial risks associated with their work. It generally includes general liability coverage to address claims of property damage or bodily injury incurred during a job, professional liability coverage for claims of errors or negligence in design or advice, and coverage for trailers and equipment to protect valuable gear.
This insurance aids in covering legal fees, medical expenses, and costs for repair or replacement, ensuring that landscapers remain prepared for the unexpected.
What kind of insurance do landscapers need?
Landscapers typically need general liability insurance with coverage limits of $1 million per occurrence and $2 million aggregate to meet client requirements and to protect against claims of property damage or bodily injury caused during their work.
They should also consider professional liability insurance to cover mistakes in design or advice that lead to financial loss for clients. Additionally, trailer and equipment coverage can protect valuable gear from theft or damage, and commercial auto insurance is essential if vehicles are used for business. In some cases, workers’ compensation insurance may be required if the business has employees.
Is my landscaping insurance policy effective immediately?
Yes. When you choose Insurance Canopy, your landscaping insurance policy activates immediately after purchase. You’ll get instant confirmation of your coverage and your Certificate of Insurance (COI) promptly after completing the online application and payment. Don’t forget to check your policy documents for any specific conditions or exclusions.
How do I renew or cancel my policy?
You can cancel your business insurance for landscapers anytime. Just contact our customer service team, and they will assist you with the cancellation process. Review your policy terms to find out about your refund eligibility to ensure a smooth transition.
Renewing your policy is simple. Policies automatically renew at the end of their term to avoid coverage gaps. You’ll receive an email notification before the renewal, so there are no unexpected charges. If you want to make changes to your policy, feel free to reach out to support.
How do I file a landscaping claim?
Filing claims with Insurance Canopy is as easy as it gets. Simply:
- Log in to your dashboard
- Find “Manage Policies”
- Click on “File a Claim” and share your info
Once you finish, a claims adjuster will contact you to provide assistance. They will guide you throughout the entire claims process to ensure everything runs smoothly. If you have any questions or need assistance, don’t hesitate to get in touch.
Is landscaping insurance available in my state?
Yes. We offer landscaping insurance across the U.S., with the exception of New York. If your business operates in any other state, you can get covered quickly and easily.
To make things even easier, we’ve put together resources tailored to landscapers in popular states:
Landscaping Insurance in Illinois
Landscaping Insurance in Virginia
Nature Waits for No One—Nor Should Your Coverage.
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