Landscaping insurance
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.
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
From
$29.17
/month*
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
From
$38.91
/month*
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.
Contractor’s Equipment and Small Tools Insurance
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
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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.
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 Does Landscaping Insurance Cost?
Try our landscaping insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Landscaping Business Insurance FAQs
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More Helpful Information for Landscapers
*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 January–June 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.