Landscaping Insurance
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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.
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.
Why Insurance Canopy Has the Best Landscaping Insurance
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.
Coverage Details
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.
$1,000,000
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
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
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 Add-ons
Also known as “inland marine,” Equipment & Tools covers movable property such as mowers, edgers, and gardening supplies. This coverage pays to replace or repair your business gear if it’s stolen or damaged.
Note: This coverage excludes any structures or items permanently fixed to a single location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Also known as errors and omissions (E&O), Professional Liability coverage protects you from financial losses resulting from mistakes or negligence in your landscaping services. This includes advice or consultation you offer to a customer that causes bodily injury or financial loss.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Liability coverage for landscaping businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes.
Note: Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.
$217/mo. or $2,604/yr.
Covers landscaping businesses that provide pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance 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.
Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must use non-toxic, water-based chemicals and clean surfaces less than two stories tall.
$13/mo. or $156/yr.
Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $10 per year per insured. 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)
Provides financial compensation to employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation costs. It also covers your legal fees if an employee sues you over a workplace injury or illness.
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.
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 essential for securing your business.
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.
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!
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.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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