Landscaping business insurance that grows with your crews

We shop your landscaping business with carriers like

Carrier names and logos are trademarks of their respective owners. Not all carriers write in every state.

Who we insure

A mowing route, an install crew and a turf-treatment company all cut grass or move dirt, but an underwriter sees three different businesses. We place each one with carriers that want that kind of work.

Lawn care and mowingSolo routes, multi-crew maintenance and the first employee you hire to run a second trailer. Commercial groundsHOA common areas, office parks, campuses and the property managers who send you their contract. Installation and hardscapeDesign-build, patios, segmental walls, grading, drainage and irrigation installs. Lawn and turf treatmentFertilizer rounds, weed control, grub control and the licensed applicators who run the sprayers.

What landscaping insurance covers

Landscaping business insurance is a set of policies, not one product. Together they pay for the claims that tend to follow green-industry work. Most of those claims fall into a few buckets.

Damage to a client's property or someone else's

Mowers and line trimmers throw debris. A pebble cracks a sliding door, a stick dents a parked car, an edger scrapes fresh siding. Install crews dig into a buried sprinkler main or a low-voltage lighting run. General liability is the policy built for this kind of third-party damage, and it usually responds to injuries too, like a resident who trips over a hose you left across a walkway.

Problems that show up after the job

A segmental wall can lean a season later. A regrade can send water toward a neighbor's foundation. The completed operations part of a liability policy is meant for damage that appears after you've packed up, though it typically won't pay to rebuild your own work.

Injuries to your own crew

Blade cuts, back strains from moving stone, heat illness in July and falls from a truck bed are the everyday injuries in this trade. Workers' comp pays medical bills and part of lost wages, and most states require it once you have employees.

Trucks, trailers and the equipment on them

A personal auto policy usually won't cover a truck used mainly for business. Commercial auto covers the truck, and its liability usually extends to the trailer you're towing, though some policies need each owned trailer listed. The mowers and skid steer inside the trailer need their own equipment coverage, because auto policies generally don't cover the contents.

Chemical work

Fertilizer, pre-emergent and weed control bring a different kind of claim: drift onto a neighbor's roses, a lawn burned by a misapplication, a family worried about exposure. Many liability policies limit pollution claims. Whether that reaches your spraying depends on the carrier and the policy wording.

Why we ask about fertilizer, weed and pest work up front

Our quote form asks whether you apply pesticides, herbicides or other treatments, and roughly what share of your work it is. That isn't busywork. Chemical application is one of the biggest factors in which carriers will quote a landscaping company and how they write the policy.

Some carriers add specific coverage for applicators; others limit it or decline accounts where treatment is a large part of the business. Knowing your mix early lets us go straight to the markets that fit instead of collecting declines. Most states also require a commercial applicator license to apply pesticides for hire, and many tie the business license to proof of liability insurance. Indiana, for example, asks for at least $300,000, and New York asks for $1 million per occurrence. Our pesticide applicator license guide explains what to look for, and the chemical application coverage page covers the insurance side. Get a quote for your landscaping business →

What landscaping insurance costs

Two landscaping companies with the same headcount can see very different premiums. An underwriter looks at how payroll splits across class codes, gross receipts, which services you sell, how much spraying or heavy equipment is involved, the trucks and trailers on the road, past claims and the limits clients demand. A solo mowing route with no claims lands near the bottom of the range. A company running install crews, hardscape and turf treatment lands well above it.

Your price depends on your payroll and class codes, your revenue, the services you offer (especially chemical work), your trucks and trailers, your claims history and the limits you choose. The landscaping insurance cost guide lists published price ranges by coverage and company size, and the honest ways to bring a premium down.