Landscaping Insurance

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Landscaping Insurance That’s Made Just for You

As a landscaper, you have 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 affordable policies are tailored to protect you against the specific risks you face as a landscaper. Plus, you can get an online quote in under 10 minutes, or call one of our licensed insurance agents for expert help in picking the right policy.

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What Type of Insurance Do I Need as a Landscaper?

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 lot of time on the road.

That’s why we recommend the following landscaping business insurance policies:

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 alleging damage.

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

  • Property damage: Let’s say you take a too-wide turn on your stand-on mower and you knock down part of a client’s fence. General liability 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 damage. General liability insurance can cover the cost of replacing the dead tree, as well as any resulting costs from legal actions filed against you.

  • Reputational damage: If you happen to respond to a customer’s negative Yelp review with some inaccurate information, they might sue you for reputational damage. Your general liability insurance may cover any resulting legal costs, such as 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.

Contents Coverage for Landscapers

Like most landscapers, you’ve probably spent a lot of money on your equipment and tools. So what would happen if they were damaged or stolen?

That’s why we recommend adding contents coverage to your overall landscaping business insurance. Contents coverage provides financial protection if your tools are damaged or stolen during the course of your work. If this happens, your policy may cover the cost of repairing or replacing your work tools (up to your selected coverage).

Our contents coverage can be affordably packaged with our general liability insurance, so be sure to request it when shopping for a quote.

Workers Compensation Insurance for Landscapers

If you have full- or part-time employees, you’re required to carry workers compensation insurance for your landscaping business.

Workers compensation insurance is pretty straightforward: If your employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide security and protection, as having this coverage prevents an employee from suing your landscaping business for their workplace injuries.

Workers compensation insurance usually covers:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Landscaping Insurance FAQs

Finding landscaping insurance can be confusing, but we’re here to make the process a lot easier. Check out our answers to the most frequently asked questions about finding and buying landscaping business insurance.

Do landscapers need insurance?

Absolutely! Landscaping insurance can be fundamental for protecting your money, your employees, your tools, and the safety and property of your customers. Without this insurance, you’re personally liable for any damages or accidents your business causes. That means you’d have to pay those bills out of your pocket, and if they’re large enough, they could put you out of business.

What does landscaping insurance cover?

Landscaping insurance can be customized to provide protection against the biggest risks to your landscaping business. So whether you need just general liability insurance to cover you in case of property damage, or you want to insure your tools and lawnmowers, we can add these policies to your overall landscaping business insurance coverage.

Is landscaping insurance a legal requirement?

That really depends on where you live, as some states require it, while others don’t. If you have questions about what your state requires, give us a call and one of our insurance agents can help answer your questions.

Even if your state doesn’t require you to be insured, there are several reasons you should carry it:

  • Landscaping insurance prevents you from paying out-of-pocket for property damage and accidents.
  • It can cover legal costs in the event your business gets sued.
  • Customers may be reluctant to hire you unless you have insurance coverage.
  • Your state may require you to have a policy in order to be licensed.

How much does landscaping insurance cost?

While there’s no one-size-fits-all answer for how much landscaping insurance costs, you can get an 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

Ready to find out how much your landscaping business insurance might cost? Just click here to answer a few questions about your business.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy season or policies for a large project, Simply Business can help.

After all, you’ve worked hard to build your landscaping business, and we offer the best coverage to protect it.

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