Landscaping Business Insurance
Protect your landscaping business with the right insurance to cover risks like equipment theft, client injuries, and accidents. Whether you provide lawn care, irrigation, or tree services, having the right coverage ensures that your business is safe from unexpected costs.
Choose the right coverage from trusted insurance providers.
Top landscaping businesses we insure
- Lawn care
- Landscape design
- Tree service
- Irrigation
Don't see your profession? Don't worry.
We insure most businesses.
Must-Have Insurance Coverage for Landscaping Contractors
When I first started my landscaping business, I didn’t realize how quickly one bodily injury or a single lawsuit could completely devastate everything I’d built. Whether it was theft of equipment or unexpected damage during lawn care jobs, the potential risks became clear. That’s when I discovered how Insureon helps landscape contractors find the right coverage tailored to the unique challenges we face.
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Tools and Equipment Insurance
Tools and equipment insurance protects key items like lawn mowers, chainsaws, and other gear if they’re lost, stolen, or damaged. This policy usually covers items less than five years old, making it ideal for fast-moving landscaping work.
Under this plan
Small tools
Mobile equipment
Items valued less than $10,000
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
To run a landscaping business legally, you may need a license and permit bonds, especially when applying for a contractor’s license or taking on specific types of work. These bonds act as a financial guarantee that your business will follow local regulations and operate with integrity.
Under this plan
State licensing requirements
Pesticide application permits
Land grading permits
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
How much does insurance cost for landscaping businesses?
A landscaping professional calculating their business insurance costs must consider many things before estimating the total cost. A small landscaping business usually pays less for insurance than a larger one.
Key factors that impact pricing include the landscaping services you offer (like pesticide and herbicide), the value of business property and equipment, your total business income, the number of employees on your team, your total payroll, selected coverage limits and deductibles, along with any additional insured endorsements you choose to include.
How do I get landscaping business insurance?
Getting landscaping business insurance is simple, whether you offer lawn care, handle irrigation, specialize in landscape design, or manage tree services. Just fill out a short online application where you’ll provide basic info like your annual revenue and number of employees.
After that, you can easily compare quotes, pick your preferred policy, and download your certificate of insurance all through Insureon in just three steps. Their licensed agents partner with trusted U.S. providers to find the best coverage and policy limits, whether you’re a solo contractor, work with a partner, or lead a large team.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
FAQ’s about landscaping insurance coverage
In the U.S., 16 states require a landscaping license. Even if your state doesn't mandate it, you'll still need a business license to perform landscaping work. If you use pesticides, an additional license might be necessary.
Many states also require a surety bond, which is a contract between your business, your clients, and an insurance company. This bond acts like a landscaping insurance policy, reimbursing clients if you don't fulfill your contracted services. These license bonds are often required to secure a license to operate in the industry.
To fully safeguard your landscaping business, consider additional insurance coverage, such as:
- Commercial property insurance protects your business’s physical location and business personal property (BPP), including landscaping equipment. You can often bundle this with general liability insurance in a business owner's policy for a discount or add a BPP endorsement to your general liability policy if you don't have an office.
- Inland marine insurance offers coverage for your landscaping tools and equipment while in transit, used at a jobsite, or stored off-site. Contractor's tools and equipment coverage is a specific type of inland marine insurance for newer items valued under $10,000.
Hired and non-owned auto (HNOA) insurance provides liability coverage for accidents involving any personal, leased, or rented vehicles used by your business. Personal auto insurance likely won’t cover work-related accidents.
Most business owners can get covered and obtain a certificate of insurance (COI) within a matter of hours. For businesses that are more difficult to insure, the certificate can typically be obtained within 48 hours. Once you're covered, you can easily access and download your COI at any time.
"Insureon made it so easy to get the right coverage for my landscaping business. The tools and equipment insurance has been invaluable, and I’m confident my equipment is protected against theft and damage."