You’ll need landscaping insurance if you’re a landscaping professional, as your work often involves heavy equipment, property access, and outdoor hazards — all of which come with risks. Landscaping insurance protects your business from financial loss caused by accidents, property damage, injuries, or stolen tools. Whether you’re mowing lawns, installing irrigation systems, or managing full landscape design projects, the right insurance helps keep your business growing — even when the unexpected happens.
Get a quote from one of our experts at Bird’s Eye Insurance to determine how much you can save on your landscaping insurance. We’ll review various types of coverages that best suit your needs.
Covers injuries or property damage: If a customer trips over your equipment or you accidentally damage a client’s property, this coverage helps pay for medical bills, repairs, and legal costs.
Covers your business vehicles: If you transport tools or travel between job sites, your trucks, trailers, and employees need protection beyond personal auto coverage.
Protects mobile gear and tools: Covers the cost to repair or replace landscaping equipment — like trimmers, mowers, or power tools — if they’re stolen or damaged on the job.
Required if you have employees: Covers medical expenses and lost wages if an employee is injured while working. It also protects your business from employee injury lawsuits.
Covers tools in transit: Ideal for landscaping businesses constantly moving between job sites. This protects gear that’s not stored at a fixed location.
You need landscaping insurance if you own or operate a landscaping business — solo or with a crew. That includes lawn care professionals, landscape designers, tree trimmers, irrigation specialists, and snow removal contractors. Many commercial clients require proof of insurance before hiring you and coverage for your employees if you have any.
Whether you’re a solo landscaper or run a large team with multiple vehicles, your policy should reflect the scale of your operations. The more employees, equipment, and job sites you manage, the more comprehensive your insurance needs will be.
Landscapers rely heavily on tools, machinery, and vehicles exposed to damage or theft. A proper policy should cover everything from trailers and mowers to liability for property damage or injuries caused during a job.
Many municipalities and commercial clients require proof of liability and workers’ comp coverage before work begins. Having the right policies in place helps you stay compliant and competitive when bidding for jobs.
Landscaping insurance typically includes general liability for property damage or injuries caused while on the job, coverage for tools and equipment, and commercial auto insurance for business vehicles. It may also cover employee injuries under workers’ compensation and damage to customer property during services such as tree trimming, lawn care, or irrigation installation.
While state laws vary, most states require landscapers to carry at least general liability insurance to obtain business licenses or permits. Even when not legally required, clients and commercial property managers often demand proof of insurance before hiring, making it essential for gaining contracts and protecting your business.
Landscape contractors typically need a combination of general liability, commercial auto, tools and equipment, and workers’ compensation coverage. Depending on the scope of services—such as tree removal, hardscaping, or pesticide application—additional endorsements or specialty coverage may be required.
The cost of landscaping insurance depends on your business size, services offered, number of employees, and coverage limits. On average, small landscaping businesses can expect to pay between $500 – $2,000 annually for basic coverage. Larger operations with employees and vehicles may require higher premiums.
Most landscaping insurance policies do not automatically cover subcontractors. To avoid coverage gaps, landscapers should ensure subcontractors carry their own liability insurance and provide certificates of insurance before beginning work on a shared project.
