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Industries · Contractors

Insurance for landscaping companies.

General liability, workers’ comp, commercial auto, and equipment coverage for mowers and trailers, for residential and commercial landscapers.

A few quick questions, then we send you your price. Many trades get it in minutes.

What landscapers usually carry

  • General liability, $1M / $2M
  • Workers’ comp
  • Commercial auto
  • Mowers, trailers, and equipment
  • Umbrella
  • Chemical application, if you spray

Watch for these in a landscaping policy

  • Tree workTree trimming or removal above a certain height is often excluded or needs its own rating.
  • Chemical applicationSpraying pesticides or herbicides is often excluded unless it is listed, and many states require a separate license.
  • Snow removalPlowing and salting are often excluded from a landscaping policy. Add them before winter.
  • Mowers and trailersEquipment on a trailer needs an equipment floater. Auto insurance covers the truck, not the mower.

What GCs and owners ask landscapers for

  • Additional insuredProperty managers and HOAs usually ask to be named.
  • Waiver of subrogationOn general liability and workers’ comp.
  • Auto liabilityCommercial contracts often set a minimum for your trucks.
  • UmbrellaLarger commercial contracts often require one.

Questions landscapers ask

Straight answers.

The questions we hear most, answered plainly.

How is landscaping insurance priced?

Usually on revenue or payroll and on the services you offer. Mowing and planting rate very differently from tree work or spraying.

Is snow removal covered?

Often not. Tell us if you plow or salt and we will quote it with the rest.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Contractors and trades

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Framing

General liability, $1M / $2M, Workers’ comp, Commercial auto

Finish carpentry and millwork

General liability, $1M / $2M, Workers’ comp, Commercial auto

Concrete

General liability, $1M / $2M, Workers’ comp, Commercial auto

Drywall

General liability, $1M / $2M, Workers’ comp, Commercial auto

Painting

General liability, $1M / $2M, Workers’ comp, Commercial auto

Masonry

General liability, $1M / $2M, Workers’ comp, Commercial auto

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