Landscaping Insurance

Q: Is insurance for landscapers required by law?

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.

Q: What should I consider before buying landscaping business insurance?

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 estimatesThis information can make it easier to get a quote from one of our insurers in under 10 minutes.

Find out which landscaping insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.

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Landscaping Insurance

Find out which landscaping insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.

Get a Quote

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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 Insurance

A foundational landscaping insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.

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Workers’ Comp Insurance

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.

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Contractor’s Equipment and Small Tools Insurance

Also known as inland marine insurance, this coverage can financially protect equipment and tools that are in transport or stored offsite.

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Business insurance —
a one-minute explanation

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.

Video transcript

As a small business owner you do a lot, just like general liability insurance. General liability can help provide financial protection in the event of, well, unfortunate events. Like injury or damage to another person or their property, advertising injury and product liability, medical payments, and more. Without general liability insurance, you know who’s likely on the hook for that: you, and that could cost you a bundle- as opposed to a good general liability policy. Even if you did nothing wrong, you can still find yourself paying for legal fees and a lawsuit. And getting covered is easy and fast with us. Spend a few minutes online or on the phone we can help find you a policy among the top insurers out there. When it comes to getting you covered, we can do a lot, just like general liability insurance.

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:

Damage to someone else’s property

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.

Care for sick or injured employees

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.

Damaged or stolen equipment

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.

Honest mistakes and negligence claims

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.

Peace of mind for your customers

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.

How Much Does Landscaping Insurance Cost?

Try our landscaping insurance calculator.

Get a quick estimate in just 3 steps.

How Much Is [TRADE] Insurance?

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Answers to More Landscaping Business Insurance FAQs

Is insurance for landscapers required by law?

How much does landscaping business insurance cost?

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.

What should I consider before buying landscaping business insurance?

Why work with Simply Business?

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.

Feel confident about your choice.

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