General Liability Insurance
Covers property damage and injury claims common in day-to-day landscaping work.
How it worksConstruction & Trades
Insurance for Landscapers
Protection for the crews, equipment, and properties you work on every season.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Landscaping businesses spend most of their time on other people's property, whether mowing a residential lawn or installing hardscaping for a commercial client, which makes property damage one of the most common sources of claims. A stray rock from a mower or an errant trencher can quickly turn a routine job into a liability issue.
Equipment is central to the business, from mowers and trimmers to trucks and trailers used to move it all, and theft of this equipment is a persistent problem in the industry. Many landscaping businesses also rely on seasonal labor, which adds complexity to workers' comp reporting and payroll audits.
Chemical application services, like fertilizing or pest control, introduce additional exposure that many general landscaping policies don't automatically cover. Contractors who offer these services often need to confirm their policy specifically addresses pesticide or herbicide-related claims.
Property damage from equipment
Mowers and trimmers can throw debris that damages vehicles, windows, or landscaping features on client property.
Equipment and trailer theft
Mowers, trimmers, and trailers are frequent theft targets, particularly when left unattended at job sites.
Chemical application liability
Fertilizer and pesticide application can lead to claims if products drift onto neighboring property or affect pets and people.
Seasonal staffing gaps
Reliance on seasonal labor can create payroll reporting challenges that affect workers' comp accuracy and audit results.
The coverage stack for landscapers
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
Workers' Compensation Insurance
Covers injuries to crew members operating mowers, trimmers, and other equipment.
How it worksCommercial Auto Insurance
Protects trucks and trailers used to transport crews and equipment between properties.
How it worksCommercial Property Insurance
Covers stored equipment, mowers, and supplies at your yard or shop.
How it worksCommercial Umbrella Insurance
Adds liability protection for commercial contracts or chemical application services.
How it worksWhat it typically costs
Landscaping insurance costs vary based on crew size, equipment values, and whether chemical application services are offered.
| Business size | Typical annual range |
|---|---|
Solo/small crew Typically covers basic GL and equipment coverage for residential mowing and maintenance. | $1,200 – $3,200 / yr |
3–10 employees Reflects seasonal payroll and broader equipment values. | $4,500 – $12,000 / yr |
10+ employees / commercial + chemical services Chemical application and commercial contracts typically require higher liability limits. | $14,000 – $35,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Crew size and seasonal payroll
- Equipment and trailer values
- Whether chemical application services are offered
- Claims history
- Residential versus commercial client mix
- Number of vehicles and trailers
Landscapers insurance questions
Ready to compare landscapers quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.