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Protect your business from property damage, equipment theft, and vehicle accidents. Landscaping insurance covers the unique risks of working on client properties with mowers, trimmers, and trucks full of expensive equipment.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Landscaping work comes with serious liability exposure. You’re operating heavy equipment near client homes, parked cars, and pedestrian walkways. One kicked-up rock through a window, one trailer detaching on the highway, or one employee chainsaw injury can cost you thousands.
A mower kicks up a rock that shatters a client's window. Your landscaping general liability insurance covers the full replacement cost.
An employee over-applies fertilizer, killing a client's entire lawn. Landscaping liability insurance covers the cost of sod replacement and reseeding.
Your trailer detaches from your truck, hitting another vehicle. Landscaping auto insurance covers the damage to both vehicles and any injury claims.
Thieves steal your zero-turn mower, trimmers, and blowers from your locked trailer overnight. Your landscaping insurance policy covers the full replacement cost.
A complete landscaping services insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a residential or commercial property.
Whether you’re doing residential lawn care, commercial grounds maintenance, or tree removal services, we have a landscaping insurance coverage program designed for your specific scope of work and risk profile, because a residential mowing service and a commercial tree removal company need completely different coverage.
Weekly mowing, trimming, leaf removal, spring and fall cleanups, fertilization, weed control
Office Park landscaping, retail center grounds, apartment complex lawn care, HOA common areas
Tree trimming, storm damage cleanup, stump grinding, emergency tree removal, arborist services
Patio construction, retaining walls, walkways, stone pathways, outdoor kitchen installation
Sprinkler system installation, repair and maintenance, winterization, backflow testing
Commercial snow plowing, sidewalk shoveling, salt and sand application, ice management
Every state has different requirements for landscaping licensing and insurance minimums. We help you stay compliant with state laws, and help you win contracts that require landscaping insurance companies’ proof like additional insured endorsements and certificates of insurance.
Landscaping insurance cost depends on your annual revenue, number of employees, type of landscaping work, and claims history. Residential mowing costs less than tree removal or commercial grounds maintenance.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most landscaping contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
Landscapers insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Business license type, annual revenue, payroll, number of employees, and typical project scope; residential, commercial, or tree care
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific landscaping operations
Receive clear quotes from multiple A-rated landscaping insurance companies, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for HOAs, property managers, and commercial contracts
Yes, most homeowners and property managers will not hire an uninsured landscaper. Additionally, your personal health insurance may exclude workplace injuries. Landscaping insurance for sole proprietor is essential even for one-person operations.
Yes, that’s exactly what general liability covers. A mower throwing debris that damages client property is covered under landscaping general liability insurance. Always report property damage claims immediately to avoid lawsuit risk.
General liability covers damage you cause to others’ property with your equipment. Commercial auto covers accidents involving your work trucks and trailers. Landscaping auto insurance is required by law if you drive on public roads with commercial vehicles.
Yes, we offer landscaping insurance quotes online in under 10 minutes. Just tell us your revenue, payroll, services offered, and claims history. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. HOAs and property managers require COIs before your crew steps on common grounds. Landscaping business insurance is worthless if you can’t prove it before the job starts.
Specialized coverage for tree removal, stump grinding, storm damage cleanup, and arborist services
Targeted coverage for residential mowing, fertilization, weed control, and spring cleanups
Coverage for sprinkler system installation, repair, backflow testing, and winterization
Liability and tools coverage for patio, retaining wall, walkway, and outdoor kitchen installation
Specialized coverage for commercial plowing, shoveling, salting, and ice management services
Coverage for plant growers, garden supply retailers, and landscape material suppliers
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
