Landscaping Insurance

Specialized Insurance For Landscapers Like You

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Tailored Landscaping Business Insurance

Looking for landscaping insurance that will help your business grow?

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.

Discover why more landscapers are turning to Simply Business for all their landscaping business insurance needs.

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What Landscaping Coverage Do Landscapers and Landscape Gardeners 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. That means you need business insurance that can protect your from these risks while still being affordable.

That’s where Simply Business comes in!

So what kind of insurance do we recommend for landscapers and landscape gardeners? While they vary from state-to-state, landscapers insurance requirements usually involve:

Landscapers Liability Insurance

Landscapers liability insurance - also known as commercial general liability (CGL) or general liability - is a type of policy that covers you and your business from costs associated with accidents, property damage, and client lawsuits.

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

  • Property damage: You’re spending plenty of time on clients’ properties, so it makes sense that you need this coverage. For example, 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: For landscapers, accidents come in all shapes and sizes - and that’s why you need comprehensive business insurance. For example, 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: It might not happen as often as property damage, but landscapers should still be protected against clients who may sue for slander. For example, 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.

So what’s not covered by your commercial general liability insurance policy?

  • Employee injuries (more on this in a bit!)
  • Tool theft
  • Vehicle damage
  • Employee lawsuits

Learn more about liability insurance for landscapers.

Workers Compensation Insurance For Landscapers and Landscape Gardeners

Workers compensation insurance covers your landscaping business in case an employee gets sick or injured on the job. This type of policy is required by law as soon as you hire your first employee, so it’s good to add it to your landscaping insurance coverage.

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

  • If an employee injuries herself while on the job, this policy can cover 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.

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

Want to find out how much your landscaping insurance will cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your landscaping insurance policy.