Landscaping Insurance
- Instant proof of insurance
- Buy online in minutes
- Meet client + contract requirements
- Customize for your crew + gear
What We Cover
Landscaping covers a lot of ground. Pick the type of work you do to find protection built for you.
Lawn Care
Gardening
Tree Service
Don’t see your business? Browse our full list of covered industries.
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What Is Landscaping Insurance?
Landscaping insurance protects your business from the most common claims you could encounter. If an employee cracks a stone walkway while moving equipment or a client trips over a power cord and dislocates their shoulder, this coverage can pay some or all of the cost.
From quote to coverage, and from season to season, landscaping business insurance is designed to keep your business moving forward.
How Much Does Insurance for Landscaping Cost?
The cost of landscaping insurance starts at just $33.75/month or $375/year for businesses with two employees or fewer. Coverage options are available for larger crews of up to nine total employees.
Factors like the optional coverage you add, your business’s revenue, and the total number of employees determine the final cost of your policy.
Coverage Details
General Aggregate
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
Products & Completed Operations Aggregate
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.
$1,000,000
Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
Personal & Advertising Injury Limit
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 libel 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
$500,000
Damage to Rented Premises Limit
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
Equipment & Tools Coverage (Inland Marine)
Also known as “inland marine,” Equipment & Tools covers moveable property like mowers, edgers, and gardening supplies. Excludes any structures and items that are permanently fixed to a single location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Lawn Care Professional Liability
Also known as errors and omissions (E&O), this coverage protects you from financial losses resulting from mistakes or negligence in your services. This includes advice or consultation you offer to a customer that causes bodily or financial injury.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Snow and Ice Removal
Liability coverage for lawn care businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes. Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.
$217/mo. or $2,604/yr.
Pool and Pond Maintenance
Covers pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance also protects you from expensive claims if you or an employee accidentally damages a client’s pool or equipment during service.
$20/mo. or $240/yr.
Pressure Washing
Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must only use non-toxic, water-based chemicals and clean surfaces less than two stories tall.
$13/mo. or $156/yr.
Additional Insureds
Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $0.83 per month, or $10 per year per insured. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Workers Compensation
Provides financial compensation for employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation. It also covers your legal fees if an employee sues you over a workplace injury or illness.
Surety Bonds
Bonds protect your clients from financial loss if you are unable to complete a contract. They also ensure you meet all legal requirements necessary for jobs.
Cyber Liability
Protects your business from financial loss caused by phishing scams, ransomware, and other cyberattacks. If your company processes payments and stores client information digitally, cyber liability is an essential part of securing your business.
Commercial Auto Coverage
Lawn care professionals typically rely on a fleet of vehicles to transport landscaping equipment and crew members. If an employee gets into an accident on the way to a job site, commercial auto coverage can cover third-party injuries and damages. Additionally, it also covers vandalism and theft of your equipment.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Top-Quality Liability Insurance for Landscapers
We make buying landscaping insurance easy, fast, and affordable. Don’t let one accident end your season early — purchase your policy today!
What Insurance Do I Need to Be a Landscaper?
You’ve got your crew, you’ve lined up jobs, and now it’s time to protect your business with general liability insurance. Our coverage helps protect your company from property damage and third-party injury claims — and the legal costs that come with them.
You can also customize your coverage to match your unique business needs with add-ons, like:
- Equipment & Tools Coverage: Covers movable equipment such as lawn mowers, hedge trimmers, and leaf blowers
- Workers Compensation Coverage*: Pays an employee’s medical expenses and lost wages if they get injured or sick on the job
- Commercial Auto Coverage*: Provides liability coverage for work vehicles
- Snow and Ice Removal: Protects you from third-party claims related to removing ice and snow from residential properties
- Pressure Washing Insurance: Covers ground-level residential pressure washing with non-toxic, water-based cleaners
- Pool and Pond Maintenance: Covers pool cleaning, chemical treatments, accidental damage, and basic pump and filter repairs
Disclaimer: These coverages are not currently available for online purchase. If you need workers compensation or commercial auto coverage, reach out to our team of U.S.-based, licensed agents at 844.520.6993.
FAQs About Landscaping Business Insurance
Can I get an instant certificate of insurance and add clients as Additional Insureds online?
Yes, you can download a COI immediately after purchasing your policy and add information for additional insureds if needed.
Are my mowers, trimmers, and trailers covered if they’re stolen or damaged in transit?
Your mowers, trimmers, and trailers aren’t covered under the base general liability policy, but you can add equipment and tools coverage for an additional fee. This pays to replace or repair your gear if it’s damaged or stolen.
Am I covered for tree work, hardscaping, or chemical applications?
Our base landscaping policy covers minor hardscaping up to 400 sq. ft., though restrictions apply. Chemical applications of herbicides and pesticides are also covered, so long as they don’t require a license to dispense. However, you’ll need to add our optional tree trimming coverage to your policy to include any tree work.
Do I need workers comp if I only use 1099 helpers or subcontractors?
In most cases, you won’t need workers compensation for independent contractors. However, it’s important to verify what coverage these contractors have, as state laws and IRS classification rules may apply.
If a subcontractor causes damage, does my policy respond?
It might, though the subcontractor’s insurance usually acts as the primary coverage. Consider requiring your subcontractors to add you as an additional insured on their liability policy to protect you from claims.
Highlighted by Fit Small Business as the most affordable landscaping business insurance, we offer nationwide coverage and robust policy limits to fit your budget and business needs. Our goal is to make insurance easy to understand and even easier to purchase, so you spend less time digging into paperwork and more time booking jobs.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customize to fit your crew, tools, and services
- 24/7 access to your policy documents
- U.S.-based, licensed support team ready to help