Landscaping Insurance

Specialized Insurance For Landscapers Like You

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Landscaping Insurance That’s Made Just For You

As a landscaper, you’ve got a lot on your plate. From unpredictable weather to managing your slow seasons, you need business insurance that’s as adaptable as you are.

That’s why Simply Business works with landscapers to provide coverage that makes sense. Our landscaping insurance protects your business against accidents and damages, but it does so much more: It provides you with the support and tools you need to keep your business thriving, even during the slow seasons.

What Insurance Do Landscapers Need?

Landscapers and landscape gardeners face a lot of unique risks. Not only do you spend a lot of time on clients’ properties, but you also handle heavy equipment and spend a decent amount of time on the road. Let Simply Business build a landscaping insurance policy that’s personalized just for you.

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Professional Liability Insurance for Landscapers

Professional Liability insurance - which is also referred to as errors & omissions (E&O) insurance - is a type of policy that provides coverage in the event a customer alleges negligence from your landscaping business. If your customer decides to sue your business for mistakes related to your landscaping services, your professional liability insurance policy may cover resulting damages and legal costs that you might be ordered to pay.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Third-party property damage
  • False advertising
  • And more

General Liability Insurance for Landscapers

General liability insurance - also known as commercial general liability (CGL) insurance - is a type of policy that covers you and your business from costs associated with third-party accidents, property damage, and even lawsuits stemming from claims of damage.

Let’s take a look at a few examples of what this landscaping insurance looks like in action:

  • Property damage: Let’s say you take too-wide a turn on your stand-on mower and you end up knocking down part of a client’s fence. Landscapers insurance can cover the costs of replacing the fence, so you don’t have to pay out-of-pocket.

  • Accidents: If your pruning accidentally causes your client’s prized tree to die, you could be sued for this damage. Landscaping insurance can cover the cost of replacing the dead tree, as well as any resulting costs from legal actions taken against you.

  • Reputational damage: If you end up responding to a client’s negative Yelp review with some inaccurate information, that client might sue you for reputational damage. Landscapers insurance could cover any resulting legal costs, like attorney’s fees and settlements.

Your general liability policy usually won’t cover employee injuries, tool theft, vehicle damage, employee lawsuits, and more. Learn more about General Liability Insurance.

Workers Compensation Insurance for Landscapers

Workers compensation insurance can cover your landscaping business in case an employee gets sick or injured on the job. Depending on where you live, this type of policy could be required by law as soon as you hire your first employee.

Here’s how workers compensation insurance can protect your landscaping business:

If an employee injuries herself while on the job, this policy may cover resulting medical costs and lost wages.

If that employee decides to sue you, your workers compensation policy can cover your legal costs, as well as pay out any claims or settlements.

Learn more about workers compensation insurance.

How Much Does Landscaping Insurance Cost?

While there’s no one-size-fits-all answer for how much landscaping insurance costs, you can get a good estimate for your policy price based on:

  • The number of employees and subcontractors you work with
  • The primary areas you serve
  • The type of landscaping services you provide
  • And more

Just click here to answer a couple of questions about your business.