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Compare Quotes →Coverage questions for this industry
Landscapers use equipment, vehicles, crews, and jobsite operations that can create several insurance needs. Insurance needs usually depend on contracts, state rules, employee status, business vehicles, customer interaction, equipment, property, and whether advice or professional services are involved.
Common policies to research
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to landscaping business insurance guide and what exclusions or endorsements may matter.
Risk signals to discuss
- Mowers
- Crews
- Commercial auto
- Equipment
- Seasonal work
Before comparing quotes
Prepare annual revenue, payroll, subcontractor use, location, vehicle details, equipment values, prior claims, and copies of contracts requiring insurance. If a client asks for additional insured status or a certificate of insurance, show the exact wording to a licensed professional.
Cost factors to organize
Common quote factors include state, industry, years in business, annual revenue, payroll, prior claims, number of employees, subcontractor usage, vehicle use, coverage limits, deductible choices, property values, and whether customers or workers visit job sites. Keeping these details consistent across quote requests makes comparisons more useful.
Frequently asked questions
What insurance does a landscaping business need?
Most landscapers carry general liability of $1M/$2M, commercial auto for trucks and trailers, an inland marine policy for equipment, and workers compensation once they hire employees.
How much does landscaping insurance cost?
Small landscapers typically pay $50 to $150 per month for general liability. A full package with commercial auto, tools, and workers comp commonly runs $400 to $1,500 per month based on payroll.
Does landscaping insurance cover damage from my mower throwing a rock?
Yes. Property damage caused by mowers, trimmers, or blowers throwing debris is normally covered under general liability, including damage to vehicles or windows on neighboring property.
Am I covered if I apply pesticides or herbicides?
Most general liability policies exclude pesticide and herbicide application unless you add a chemical applicator endorsement. Many states also require a separate pesticide applicator license and bond.
What about damage to underground utility lines while digging?
Underground utility damage is commonly excluded unless added by endorsement. Always call 811 before digging, and ask your agent about underground utility coverage if you do excavation, irrigation, or tree work.
Do I need separate coverage for snow plowing in winter?
Snow and ice removal is often excluded or sublimited on a standard landscaping policy. Disclose winter operations so the policy adds the appropriate snow removal endorsement and limits.
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