How to Get Landscaping Insurance in 5 Easy Steps
Signing up for insurance shouldn’t feel like a chore — and with us it’s actually pretty easy. Here’s what you’ll need to have handy to sign up:
- Your business name and address: Whether you run “Green Thumb Landscaping” or just work under your name, we’ve got you covered. You’ll also need to provide the physical address of where your business is located.
- Annual revenue estimate: We don’t need exact numbers — just a ballpark of what you bring in each year.
- Number of employees: Running solo? Got a crew? Either way, your policy should reflect it. (By the way, full-time and part-time employees can be covered, but subcontractors need their own insurance.)
- Services you offer: Whether you focus on lawn care, hardscaping, irrigation, or a combination of everything, we can tailor a policy just for you.
- Coverage preferences: Customize your coverage by protecting your equipment, online data, employees, and more — check out all the ways you can personalize your landscaping insurance policy.
How to Get the Landscaping Insurance Your Business Needs
In just a few clicks, you can receive a fast, free quote, customize your coverage to fit your unique needs, and review every detail upfront.
1. Apply online
Click the “Get a Quote” button below, enter a few details about your business, and get a real quote in minutes.
2. Customize your quote
Your business is unique, and so are its insurance needs — consider your options and choose those best for your company.
3. Review your coverage choices and cost
Your personalized quote shows exactly what you’re paying for and what your annual or monthly payment will be. But if you want to talk to a real person, you can!
Contact us by email or call us at 844-520-6993 Mon–Fri from 8 am to 8 pm EST to speak with a licensed, non-commissioned insurance agent who can answer your questions and help you get the right coverage.
4. Complete your purchase and get instant proof of insurance
Once you’ve checked out, you’ll immediately receive your Certificate of Insurance (COI). This is the document most clients, HOAs, and property managers require before hiring you.
You can also access your COI anytime from your customer dashboard.
5. Update or Adjust As Your Business Grows
Adding employees? Expanding into tree removal or irrigation? Need to add an additional insured to your policy? Update your coverage anytime with just a few clicks through your customer dashboard. (If you need any help, you can also contact our team.)
What Insurance is Available for My Landscaping Business?
“Insurance” can be a catch-all type of word, but it’s not a catch-all type of tool! There are different coverage types available to protect your landscaping business from the risks unique to your industry, your niche, and even your business size. Understanding what each covers is the first step to customizing a policy that will best protect your business and career.
Explore the essential insurance types that can give your landscaping business the solid foundation it needs:
Every landscaper needs general liability insurance. It covers accidental property damage and third-party injuries — like if you break a client’s window with a weed eater or someone walking by trips over your tools.
Commercial clients are also likely to require you to provide proof of insurance before awarding you work, and may even ask to be added to your policy as an additional insured (see below).
A surety bond protects your clients if an employee steals from them or fails to complete a job as promised. Some contracts or local regulations may require landscapers to carry a bond as a financial guarantee.
Additional insureds are third parties that could be negatively impacted because of your work, like a property manager or homeowner association (HOA) that hires you or a landlord for your rent storage space. For example, a homeowner might sue both you and the HOA if the work that you did accidentally caused damage to their property.
Adding a qualified third party to your policy as an additional insured extends your policy’s coverage to them. If they are named alongside you in a property damage or injury claim stemming from your work, your policy can cover them and you. It makes working with you more attractive and is often a contract requirement for landing commercial jobs.
If your mowers, trimmers, or blowers are stolen or damaged, can you afford to replace them immediately? Tools and equipment insurance is designed to help you get back up and running quickly if your equipment or tools are stolen or damaged.
Most states require you to carry workers compensation insurance if you have employees. It covers medical bills and lost wages if someone gets injured while working for you. While often a legal requirement, it also shows that you care about your employees and want to be sure they are taken care of if they get hurt on the job!
Commercial auto insurance is designed to cover vehicles used for work. If you haul mulch, mowers, or tools in your truck, a personal auto policy won’t cover you in an accident, so this is a must-have for landscapers on the road.
If you store customer info, accept online payments, or use invoicing software, adding cyber liability coverage to your policy is essential. It protects you from the financial fallout that can happen if your data is breached, malware takes out your software, or your customer information is hacked.
Other Landscaping-Related Businesses We Cover
You might not classify your business as “landscaping,” or landscaping might just be one aspect of your operation. Here are some related business insurance types that trust Insurance Canopy for coverage:
Why Landscapers Choose Insurance Canopy
Insurance Canopy’s landscaping insurance is built with landscapers in mind — offering fast, reliable, and affordable insurance solutions that:
- Meet client and job requirements
Our policies are designed to meet the requirements you need to land more jobs! Get instant proof of insurance to meet HOA, property manager, and client demands.
- Cover property damage and injuries
Accidents can happen no matter how careful you are and risks can pop up anywhere. Your base Insurance Canopy policy is designed to pay for costly claims from accidents like broken sprinklers or client injuries that would otherwise be your responsibility.
- Protect your equipment and tools
If your equipment and tools are out of the picture, you can’t work. Add tools and equipment coverage to your policy to protect your gear from theft or damage.
Questions About Getting Landscaping Insurance
What is the best insurance for landscapers?
For landscapers, the most important insurance is general liability insurance. This covers accidents like damaging a client’s property or someone getting hurt on the job.
Most landscapers also need tools and equipment insurance as they can’t operate without their gear. Landscaping companies with employees also need workers compensation insurance to cover work-related injuries.
Do I need an LLC for a landscaping business?
Creating a limited liability company (LLC) isn’t required for a landscaping business, but it can protect your personal assets from business debts or legal issues. This means your personal belongings, like your home or car, are safer if your business faces financial problems. Contact a lawyer or financial expert to see if it’s the best type of business structure for you
Do I need separate coverage for subcontractors or employees?
Yes, you need separate coverage for contractors vs. employees. Employees can be covered under your general liability policy, whereas contractors need to provide their own insurance.
Can I cancel my policy at any time if my business slows down?
Insurance Canopy policies are fully earned once your coverage begins, so they are generally non-refundable. You can cancel your insurance at any time, but be sure to check your policy terms or contact our customer service team to discuss eligibility for a refund.
Are there additional fees or charges beyond the premium?
Some insurance policies have extra fees, such as administrative charges. To avoid surprises, it’s important to read your policy carefully and discuss any potential additional costs with your insurance provider.
What should I do if I need to file a claim?
If you need to file a claim, log in to your online account, go to the “Manage Policies” section, and click on “File a Claim.” Provide the details of your claim, including information about the incident and any supporting documents, such as photos or police reports (if applicable). A claims adjustor will contact you within a few business days to guide you through the process to ensure a smooth resolution.
Does the policy automatically renew, or do I need to take action to renew it?
Your policy will automatically renew at the end of the term to keep your coverage continuous. You’ll receive an email notification before the renewal, so there are no surprises.
How can I confirm that my insurance meets the requirements of a specific client or job contract?
To ensure your insurance meets client or contract requirements, check the requirements against your policy details. If you want assistance, you can also call our customer service team to talk to a licensed, non-commissioned insurance agent to make sure your policy meets the conditions or guide you to a solution.
Get Your Landscaping Insurance Policy Today!
Insurance doesn’t have to be a headache. With Insurance Canopy, you’ll get coverage as reliable and hardworking as you are. No confusing forms or pushy sales reps — just clear, affordable options to protect your business and your peace of mind. Get covered today!
