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Landscaping Insurance
Insurance for landscape and garden professionals
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Tailored coverage to meet the needs of your landscaping business
Landscapers, gardeners, and sod installers do most of their work on customer properties. They often have many employees, too. With so many people and so much property to protect, specialized lawn care business insurance is an easy way to get the essential coverage you need.
What is landscaping insurance?
Landscaping insurance is business insurance coverage designed for professional landscapers and lawn care businesses to guard against risks that can lead to accidents and financial setbacks. Having the right insurance protects you from these potential threats and lets you focus on growing your company.
Call one of our specialized agents or start an online quote to explore your policy options.
Why is lawn care business insurance important?
Lawn care insurance is important because it can manage liability for accidents and property damage, protect your equipment and tools, and cover workers' compensation if an employee gets hurt on the job. It can also help your business bounce back from unexpected events, boost client confidence, and keep you compliant with legal requirements.
Not having landscaping business insurance exposes you to significant financial risks and can affect your ability to grow and operate effectively. For example, say you're trimming plants in someone's garden and a tool accidentally damages the side of their house. Insurance can help pay for the damage and the legal fees associated with defending yourself and your reputation.
Some clients may ask for proof of insurance before beginning a project with you. When you start a policy with Progressive Commercial, we can provide a certificate of insurance (COI) so you're ready if potential customers ask for it.
Who needs landscaping insurance?
Lawn service insurance is important for many different professionals and businesses working in landscaping. Here are some examples of who might need it:
- Independent landscapers
- Landscape architects and designers
- Gardeners
- Arborists
- Lawn care companies
- Lawn irrigation contractors
- Seasonal workers
- Tree trimmers
Whether you're a sole proprietor, part of an LLC, or working for a startup, you should consider securing coverage. Protect your business and start a lawn care insurance quote today.
Do I need insurance to mow lawns?
Yes, insurance is a smart choice for many lawn mowing businesses.
You may have mowed your neighbors' lawns without insurance as a teen, but running a business is different. Liability coverage is especially important when you're working on someone else's property, like most lawn care services do.
Types of insurance for landscapers
Landscapers typically have several types of coverage to address different risks associated with their work. Explore landscaping and lawn care insurance options to see what fits your business.
General liability (GL)
General liability is a popular coverage that helps landscaping companies manage claims and lawsuits related to things like customer injury, property damage, and advertising injury. Discover the benefits of general liability insurance and learn more about how much GL costs.
Example: You're pruning a customer's hedges and accidentally scratch the side of their house, damaging the paint. GL can pay for the damage, so you don't have to.
Commercial auto
Commercial auto protects the vehicles you use for work, like dump trucks, pickups, and utility trailers. Liability coverage is required in most states, and you can add other options to cover yourself, your passengers, and your vehicle. Learn about commercial auto coverages through Progressive Commercial.
Example: You're driving to a job site and get into an accident, hitting another car. Commercial auto liability can cover damage to the other vehicle. Optional coverages, like physical damage, can help repair your own.
Business owners policy (BOP)
A business owners policy (BOP) combines liability coverage with insurance for commercial buildings and business property, such as furniture, equipment, and other assets stored on site. You can also customize your landscaping insurance with additional BOP coverages.
Example: A fire at your office damages your landscaping tools and the building itself. The commercial property portion of your BOP can help pay for both.
Workers' compensation
Workers' compensation helps when employees are injured or become ill on the job. It's required in most states, with workers' comp costs tied to how many employees you have and how risky their jobs are. Find out if you need workers' comp for your business.
Example: One of your employees falls off a ladder while pruning a hedge and injures their leg. Workers' comp can cover their medical care and pay lost wages until they can return to work.
Cyber
Cyber insurance guards against threats like data breaches and cyber attacks. It includes coverage for legal fees, notification costs, and recovery efforts.
Example: Your payroll software is compromised, leaking sensitive employee information and damaging your financial records. Cyber insurance can pay to investigate the breach and secure your data.
What does landscaping insurance not cover?
Landscaping insurance guards against many of the risks small businesses face. However, some things fall outside the scope of coverage, like:
- Illegal acts
- Intentional damage
- Normal wear and tear on equipment
- Some kinds of severe weather or natural disasters
Tools and equipment coverage for landscapers
Landscapers visiting job sites should consider tools and equipment insurance. Add it to your general liability or BOP to cover repairs or replacements if your tools are lost, damaged, or stolen when you're on the go.
Landscaping insurance cost
Landscaping insurance costs are based on how much risk your company and employees face. Factors that affect landscaping insurance rates include:
- Types of coverage
- Business size
- Number of employees
- Typical services
- Business location
- Claims history
Understanding the different aspects of your landscaping business can help you determine what might affect your business insurance cost the most.
If you have business vehicles, auto insurance will also affect your total monthly insurance cost. Learn more about commercial auto insurance rates.
Why trust Progressive Commercial for landscaper insurance
With Progressive Commercial, you have access to a full range of insurance products, competitive rates, and top-notch service. Small businesses have trusted us to provide the protection they need for over 50 years.
Our specialists are ready to help you find the right lawn care insurance at a fair price. Give us a call or start a quote today.
More information
Learn more about insurance for landscapers.
