Landscaping Insurance

Landscaping insurance protects your businesses from risks such as accidents, liability claims, injuries and property damage. Whether you manage a team or a sole proprietor, your work involves potential daily hazards. The right coverage safeguards you from unexpected financial expenses and helps to keep your business running smoothly. 

 

Jump To:

• What Is Landscaping Insurance?

• Who Needs Landscaping Insurance? 

• What Types of Insurance Do Landscapers Need?

• How Much Does Landscaping Insurance Cost? 

• FAQs

• Explore Your Coverage Options Today!

What is Landscaping Insurance?

Landscaping insurance is a specialized business coverage that helps protect your business from financial loss and keeps your business running while dealing with risks associated with running a landscaping business. Doing landscaping work requires heavy, expensive, and dangerous equipment. With all of these potential hazards, the risk of serious injuries, property damage, and accidents increases thus leading to lawsuits or the potential loss of income or even your business.

Who Needs Landscaping Insurance? 

Any individual or business providing lawn care or landscaping services should consider landscaping insurance. This includes:

 

• Landscapers that are part of a company or sole proprietor 
• Lawn care businesses
• Tree removal services
• Irrigation and sprinkler system installers
• Garden designers
• Ground maintenance companies

Having the right insurance coverage ensures you are protected from financial and legal setbacks. Regardless of the size of your business, do not underestimate the need for comprehensive coverage. 

What Types of Insurance Do Landscapers Need?

While there are no federal or state minimum insurance requirements when it comes to landscaping businesses, with so many potential risks involved, it’s essential to have the right insurance coverage. Here are the most common types of landscaping insurance: 

 

• General Liability Insurance – Covers third-party property damage, bodily injury, and legal fees if a bystander or client gets injured on a job site.
• Business Owner’s Policy (BOP) – Combines general liability insurance with property insurance to cover business property and operations.
• Commercial Auto Insurance – Protects business vehicles used for transporting equipment, employees, and materials.
• Workers’ Compensation Insurance – Covers lost wages and medical expenses if an employee is injured on the job.
• Equipment and Tools Insurance – Provides coverage for landscaping equipment, tools, and machinery in case of damage, loss, or theft.
• Professional Liability Insurance – Protects against claims of errors or negligence in landscaping design and installation services.
• Health Insurance: Provides comprehensive coverage from hospital stays, wellness visits, prescription coverage and more. This usually includes dental and vision benefits as well. Independent landscapers benefit from individual health insurance, while landscapers with employees should consider investing in a group coverage plan. 

To explore your coverage options, get free quotes and compare plans, click the button below. 

 

 

How Much Does Landscaping Insurance Cost For Small Businesses? 

The cost of landscaping insurance varies depending on several factors, such as: 

 

• Location
• Coverage limits 
• Risk exposure
• Business size

The typical annual costs for the most common coverage types are:

 

• General Liability: $400-$2,500
• Equipment and tools: $300-$1,500  
• Professional liability: $500-$2,000 

To find an accurate quote, use EZ.Insure and talk to a professional agent that can help with any questions and concerns you may have.

FAQs

Is landscaping insurance required by law?

Laws vary by state, but most states require businesses with employees to carry worker’s compensation. Additionally, some cities and states may require general liability insurance to obtain business licenses or contracts.

 

Does landscaping insurance cover damage to a client’s property?

Yes, general liability insurance can cover property damage caused by your landscaping work, such as accidental damage to a client’s fence, home, or driveway.

 

Do I need commercial auto insurance for my landscaping business?

If you use company vehicles to transport equipment, employees, or materials, you’ll need commercial auto insurance to cover potential accidents or damages.

 

Can I bundle different types of landscaping insurance?

Yes! Many insurers offer Business Owner’s Policies (BOPs) that combine general liability, property insurance, and other coverages at a reduced rate.

Get Insured Today with EZ.Insure!

There is no question that landscaping business is a big business that involves heavy risks.  Protecting your company and assets is essential.

 

 At EZ.Insure, we can help you navigate the complex world of finding the right insurance. Our highly-trained agents can give you quick, side-by-side quotes and find a tailored policy for your business needs!  

 

To get started, simply click the button below, or give us a call at 844-770-0876.