Landscaping insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$29.17
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$29.17
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Written by
What Is Landscaping Insurance and Why Do You Need It?
From trimming hedges to hauling mulch, no two landscaping jobs are the same — and neither are the risks. Whether it’s accidental property damage, stolen equipment, or jobsite injuries, landscaping insurance can help protect your business so you can focus on creating outdoor spaces your clients love.
What Insurance Does a Landscaper Typically Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$29.17
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Landscaping Services Insurance Cover?
A freshly mowed lawn and perfectly placed plants can make a property shine. But accidents happen and without the right landscaping insurance, you could be left footing the bill. We’re here to help you find coverage to help protect against some of the common risks you may face:
While edging a garden bed with a power trimmer, a rock kicks up and cracks a client’s sliding glass door. A general liability policy could help cover those types of third-party accidents.
You’ve landed a large landscaping project, but the customer requires proof that the work will be completed on time and to their specifications. That’s where a surety bond comes in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
Even the most experienced landscapers can face claims of negligence. Let’s say you plant several expensive trees for a client, but they aren’t well-suited to the soil and fail to thrive. Adding a contractor’s errors and omissions endorsement to your general liability insurance could help cover the cost of repairs for completed work and help protect you against a negligence claim.
Your crew is tackling a big commercial job on a hot summer day when one of your landscapers shows signs of heat exhaustion and needs medical attention. Workers’ compensation insurance can help cover their medical bills and potentially provide wage replacement as they recover.
Workers’ comp is often legally required, depending on where your business is located. It can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend considering workers’ comp, since many health insurance policies may not cover work-related injuries.
After finishing a long day on the job, you return to your trailer and find the lock broken — your chainsaw, leaf blower, and hedge trimmer are gone. Contractor’s equipment and small tools insurance, also known as an inland marine policy can help pay to replace or repair your stolen or damaged equipment — whether it’s on the move or at a job site.
What Does Landscaper Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Landscaping Business Insurance FAQs
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
The cost for your landscaping insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual payroll.
We can help find the coverages and prices online for landscaping business insurance in just 10 minutes right here.
If you’re thinking of buying insurance, we recommend having the following information when using our landscaping insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual payroll estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Small business insurance is what we do. Whether it’s helping you find coverage for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your electrician business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
Written by
Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
4-minute read
Do You Need E&O Insurance? What Contractors Should Know
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
Page last updated: