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Landscaping Insurance: Best Lawn & Tree Insurance Coverage

Landscaper liability insurance starts as low as $21/month*

*Applies to quotes made through Insureon only. Average monthly premium calculations are estimates and may vary by state, insurance provider, and the nature of your business. Where required or allowed by state law, insurance taxes, service fees, and other surcharges may be included and billed separately from the premium.

Quotes available through: Insureon
996 reviews
  • Landscaping insurance is a necessity for landscapers and lawn care experts working on commercial or residential jobs.
  • Several policy types can help you address specific risks or needs, including general liability insurance, commercial auto insurance, and?inland marine insurance.
  • Natural disasters and willful acts are some scenarios excluded from most policies.
  • Landscaping business insurance has a median price of $45 per month and around $530 per year in the US.
  • Use our online tool to get same-day from top rated insurance providers.

All small businesses can benefit from some type of protection, and that includes landscapers. Landscaping insurance is one very important way to safeguard your business from theft, accidents, and injury.?

Whether you’re looking to launch a startup pulling weeds and planting rose bushes or you have a rapidly expanding business that needs additional protections, finding the right policy at the right price can make all the difference to your future and your bottom line.

In this guide, we’ll look at important questions about landscaping insurance, including:

  • What is landscaping insurance?
  • Who needs landscaping insurance?
  • Which types of insurance do landscapers need?

Our recommendation for landscaping business insurance coverage:

Advertiser Disclosure

Insureon Business Insurance

Better Business Bureau Rating
A+ (Superior)
Specialized for:
Plans from top providers in America

Why We Like It

Insureon makes it extremely easy for small business owners to compare and buy business insurance online offering policies from over 30 top brands.

  • Insureon is America’s largest online provider of small business insurance
  • Policy options from major insurance brands in America
  • Offers quick and easy same-day certificate of coverage
  • Human advisors answer your policy questions and doubts
  • Human touch & personal relationship despite being online
  • Saving time lets you focus on building your business

Did you know? \Over 90% of small business owners don’t understand what coverage they need. \Insureon solves this with a team of best-in-class advisors specialized in micro businesses to help you understand coverage options.

Insureon saves you from personally having to speak to multiple companies to compare insurance.

How Insureon works:

  1. By questionnaire, you answer a few simple questions about your business, industry, & location.
  2. Get quotes back in seconds from America’s top insurance providers with real-time prices & plan information.
  3. Select the coverages that best fit your needs.
  4. An insurance agent will review your selected coverage and check if it makes sense for your business/profession before contacting you.
  5. The agent will reach out to you personally + walk you through your coverage + answer any questions and concerns about the policy + make sure you have the type of coverage you need.
  6. You’ll get same-day or next-day coverage with a certificate of insurance you can easily download and sign.

Coverage Highlights

Types of insurance available through Insureon:

  • Business Owner Policy (BOP)
  • General Liability Insurance
  • Workers’ Compensation Insurance
  • Errors & Omissions / Professional Liability Insurance
  • Cyber Liabilty Insurance
  • Commercial Property Insurance
  • Commercial Umbrella Insurance
  • Commercial Package Insurance
  • Commercial Auto Insurance
  • Findelity Bonds / Employee Dishonesty Insurance
  • Inland Marine Insurance
  • Management Liability Insurance
  • And more…

Plans from major providers including:

  • Progressive
  • Nationwide
  • Liberty
  • Travelers
  • Hiscox
  • Chubb
  • Hartford
  • Philadelphia
  • Hanover
  • And more…

What is landscaping insurance?

Landscaping is typically a mixture of different types of business insurance with coverage geared toward the specific needs of companies in the landscaping and lawn care industry.?

Depending on the policies you choose, lawn care business insurance can come in the form of liability protections, property damage coverage, reimbursements for legal disputes, theft, accidents, and even loss of income, and more.

Who needs landscaping insurance?

Some states have special requirements for landscaping companies due to the increased risk of bodily injury. For example in California, workers’ comp is a legal requirement for tree service companies to remain in operation.

This aside, if you operate any small business, you should definitely be protecting your assets, employees, and business from potential pitfalls like lawsuits and fines.

The following types of landscaping businesses should consider business insurance:

Which types of insurance do landscapers need?

Most businesses require more than one type of insurance or opt for combined coverages found in plans like BOPs or commercial packs.

Common types of coverage landscapers need include:

As you research lawn care insurance options, you may find some blanket policies that claim to cover everything.?

More often, however, you’ll need to decide which types of insurance you want to build up personalized protection that ensures you’re covered for every possibility directly related to how and where you do business.

To help you understand what coverage you need, and find the best business insurance we explain these types in more detail below.

You can also speak with an experienced professional to better understand your coverage needs.

General liability insurance

General liability insurance is probably the broadest type of insurance for lawn care providers, as it covers claims made against your business for property damage, third-party bodily injury, or a personal/advertising injury.

For instance, say you had an employee working on a two-day project who dug a hole for a tree and left that hole uncovered and unmarked overnight. Your client went on a stroll, tripped, and fell into the hole, breaking their ankle. General liability insurance would likely cover you if that client decided to pursue damages.

Business personal property insurance?

Your lawn care business can’t operate without the proper tools, which makes it fairly devastating if?you get into an accident in your work vehicle and all your rakes and tree-trimming gear are wrecked beyond repair.?

Business personal property insurance and commercial property insurance cover damage to all assets tied to your company, including inventory, equipment, and tools. That typically includes making you whole after a fire that destroys your backstock of mulch or a tornado whips through your warehouse parking lot and wrecks your collection of ride-on mowers.

Workers’ compensation insurance

When one of your employees gets hurt on the job, workers’ compensation insurance jumps in to cover medical expenses and other important financial concerns, such as lost wages. This is an especially important insurance policy to have when you’re working on-site and doing jobs that are highly physical and potentially risky.

If your employee is trimming a tree and falls or spends all afternoon outside under the scorching sun on a job site and gets heatstroke, workers’ comp can help them get the care they need while also safeguarding your bottom line.

Commercial auto insurance

As a landscaper or lawn care specialist, it’s almost guaranteed you’ll be using vehicles for business purposes, and those cars and trucks need to be protected. Commercial auto insurance covers accident-related injuries and property damage that occur while you or your employee is driving a work vehicle.

A great example of this is if you had a team member running a work-related errand and they hydroplaned during a rainstorm and hit another car. Your commercial auto insurance would theoretically cover not only the damage to your car but also the damage to the other car and any medical expenses if the other driver or their passengers sustained an injury because of the accident.

Inland marine insurance

Don’t be fooled by the name of this type of insurance policy, as it has very little to do with any kind of marine or water-based issues. Instead, inland marine insurance is designed to protect businesses while their property is in transit on land.

Landscapers spend a ton of time on the road. If you’re driving to a client’s home and your truck bed breaks, causing all your tools, seeds and stacks of sod to scatter all over the highway, inland marine insurance will help cover your losses.

Commercial umbrella insurance

Much as the name suggests, business umbrella insurance is there for a rainy day?— or, more accurately, for those instances when the damages from an accident, loss or injury exceed the limits of the original policy. It’s like having extra protection in your back pocket in case a general liability or commercial auto policy comes up short.

Say the worst-case scenario occurs, and you have an on-site accident that sees your work trailer somehow disconnect from your truck, swing into oncoming traffic and cause a three-car accident. Two people are injured, there’s massive property damage, and it looks like a lawsuit is only a matter of time. Your advisors think future bills are going to be $3 million but your existing policies are tapped out at a combined maximum of $2 million. If you have business umbrella insurance, you may be covered for that additional $1 million.

Discover your ideal policy in minutes Unlock plans from over 30 top providers, now! Suitcase and Shield With Checkmark GET PRICES

What’s not covered by landscaper insurance?

Like all other types of insurance policies, landscape insurance comes with a list of exclusions explaining all the things your policy won’t help you with, such as:

How much does lawn care business insurance cost?

According to sales data from our partner Insureon, the?median amount landscape contractors and other lawn care experts pay for insurance is approximately $45 per month or around $530 per year.?However, it can often be even cheaper depending on the size and scope of your company.

Landscaper liability coverage starts as low as $21/month*

*Applies to quotes made through Insureon only. Average monthly premium calculations are estimates and may vary by state, insurance provider, and the nature of your business. Where required or allowed by state law, insurance taxes, service fees, and other surcharges may be included and billed separately from the premium.

The exact landscaping insurance cost you’ll pay monthly or yearly depends many factors:

How to save on the cost of lawn care business insurance

If you’re looking to save money on insurance, there are a few steps you can take to minimize expenses without sacrificing coverage.

1

Shop around and compare providers

Different insurance companies will offer different rates. Get several quotes before you sign on the dotted line.

See More See Less
2

Bundle your policies with a business owner’s policy (BOP)

Sometimes, you can save on costs by bundling policies. A BOP combines general liability insurance and commercial property coverage into a single plan. This makes sense if you have a home office, warehouse space, or lot, you want to cover.

See More See Less
3

Increase your deductible

Deductibles and premiums go hand-in-hand. Adjust one, and the other automatically changes too. You can save on monthly premiums by increasing your deductible — you’ll pay less now, but you could be out of pocket more if you ever have to make a claim.

See More See Less
Discover your ideal policy in minutes Unlock plans from over 30 top providers, now! Suitcase and Shield With Checkmark GET PRICES

How to get lawn care business insurance?

When it’s time to take a break from mowing and sprinkler installation and protect your business with lawn care insurance, here’s what you’ll need to do.

Determine which coverage you need

Start by assessing your lawn care business and all related risks. There will be different needs associated with a self-employed, single-person enterprise that has just a lawn mower, rake, and shovel as the company equipment versus a multi-person operation which may need a business owner policy, with much higher liability. Examine all aspects of your business and see what coverage you need to fully protect your future and your people.

Shop for coverage and choose a provider

Now it’s time to shop around. Using the coverage list you made above, get quotes from several insurance companies to see how they stack up in terms of policies, deductibles, premiums, and extras. Our easy-to-use online tool**{:rel=’nofollow’ target=’_blank’} can help you get same-day coverage from top insurance companies in America.

Purchase a policy

Once you sift through insurance companies and find a policy that aligns with your needs, it’s time to make a purchase. But just because you have protection now doesn’t mean your job is done. Review your policy every year to make sure it’s still compatible with your budget, your business size, your liabilities, and all other needs.

Speak with an insurance agent to get a personalized comparison and free quote.

Landscaping insurance FAQs

Why would a landscaper need insurance?

Landscapers, arborists, landscape contractors, lawn designers, and other landscape specialists need lawn care insurance to protect their businesses and even their private assets from loss and theft. Depending on the policy, landscape insurance provides liability coverage and other safeguards that help you out in situations like an employee injury or accidental destruction of a client’s property.

How much does landscaping insurance typically cost?

The average lawn care insurance cost for landscape contractors and other providers is about $45 per month or around $530 per year. Those fees can change, however, based on several factors, including the size of the business, the coverage desired, the size of the deductible, and what services are offered by the landscaper.

Do I need landscaping business insurance if my clients have homeowner’s insurance?

Yes! Your clients’ homeowners policies cover their own needs and assets, while your small business policy safeguards your lawn care business. The policies are very different, and you should never skip on business insurance just because your client has their own policy.

Do landscapers need insurance to mow lawns?

Depending on your geographic location, you may not be required to have landscaping insurance just to mow lawns, but it’s still a good idea. A solid insurance policy can protect your assets and your business so you don’t end up liable for injuries or property damage.

See plans and prices**{:rel=’nofollow’ target=’_blank’}.

About the Author

Alana Luna (Musselman)
Alana Luna (Musselman) Writer & Content Strategist

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content.

Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.

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