Insurance for Landscaping and Lawn Care Contractors
Landscapers operate heavy equipment, handle chemicals, and work on client properties every day. A mower that throws debris and breaks a window, an employee who is injured running a chipper, or a chemical application that damages a client's lawn can all result in significant claims. The right insurance program protects your business from the day-to-day risks of outdoor contracting work.
Key Coverages for Landscapers
- General Liability - Covers third-party bodily injury and property damage — a rock through a windshield, damage to a client's irrigation system, or a visitor injured on a job site.
- Workers Compensation - Covers employees injured operating mowers, trimmers, chippers, and other equipment. Required in most states.
- Contractor's Equipment / Inland Marine - Covers your mowers, skid steers, trailers, and other equipment against theft, vandalism, and damage on and off the job site.
- Commercial Auto - Covers your trucks and trailers used to transport equipment and materials between properties.
- Pesticide / Herbicide Liability - If you apply chemicals, this endorsement covers claims from unintended damage to neighboring plants, lawns, or water features from chemical drift or overspray.
- Umbrella Liability - Extends your liability limits for larger commercial property accounts.
Equipment Is One of Your Biggest Assets
Commercial mowers, skid steers, chippers, and trailers represent a significant investment. A contractor's equipment policy (inland marine) covers this equipment wherever it goes — at a job site, in transit, or in storage — unlike a standard commercial property policy that only covers equipment at a fixed location. We make sure your equipment schedule is current so you are never underinsured after a theft or a loss.
Frequently Asked Questions
Do I need separate coverage for each piece of equipment?
Contractor's equipment policies typically provide blanket or scheduled coverage for all your equipment under one policy. We review your equipment list and find the most cost-effective approach.
Am I covered if a worker is injured at a residential client's property?
Workers compensation covers your employees regardless of where the injury occurs — at a client's home, a commercial property, or in transit. General liability covers claims from the property owner or third parties.