Smart landscapers don’t settle for generic coverage. Insurance Canopy offers insurance tailored specifically for landscapers — because when you’re out there shaping landscapes, the last thing you need is a policy that doesn’t have your back.
One wrong move with a trimmer, a sudden storm wrecking your tools, or a rock hitting a client’s car window can turn into an expensive nightmare.
1. Protection Designed for Landscapers
Landscapers need a policy built for people who work outdoors with heavy tools and unpredictable conditions in mind. But in many cases, providers try to offer business insurance in “one size fits all” policies — which can leave your business exposed to expensive claims.
Insurance Canopy offers specialized landscaping insurance coverage that protects you from the unique risks of the industry. We cover:
- Lawn maintenance workers
- Landscape technicians
- Tree service specialists
- Small tree and shrub care specialists
- Gardeners
- Gutter cleaners
- Groundskeepers
- Holiday deco installers
2. Competitive Pricing
We believe quality insurance shouldn’t break the bank. Insurance Canopy offers comprehensive coverage at competitive rates.
Provider | Starting Cost / Month |
Insurance Canopy | $40* |
Progressive | $61.28 |
Next Insurance | $86.91 |
Thimble | $97.99 |
*Based on competitor research in February 2025. Prices subject to change. Estimates reflect $1M occurrence / $2M aggregate limit (unless otherwise specified) coverage for a Florida landscaping business with no employees and $100,000 in gross sales
Our pricing is transparent, affordable, and designed to meet the unique needs of landscaping businesses. Depending on your state, you could pay as little as $31 a month or save even more by choosing our annual plan for just $336 a year.
Key Coverage Types for Landscapers and Their Costs
Landscaping is physical, high-risk work that requires the right protection.
General liability insurance
General liability coverage is the foundation of your plan. It covers:
- Property damage: Can cover the cost of claims like accidental damage to a client’s expensive hardscape, sprinkler system, or a rock flying into their car window.
- Bodily injury: Can cover medical bills, legal fees, and other costs from claims if your client or another third party trips over your gear, falls, and requires medical attention (for example).
- Lawsuits and legal costs: Designed to cover legal expenses if you’re sued for covered causes (such as third-party injuries, property damage, advertising mistakes, and more).
Our lowest price: $336 / year
Trailer and equipment insurance
If your trailer and equipment are stolen or damaged, you’re out of work and out of money. This policy covers:
- Theft: Equipment replacement costs can be covered if an overnight break-in leaves you without gear.
- Accidental damage: Can cover replacement or repair of accidentally damaged equipment or detached trailers.
- Repair and replacement costs: Designed to cover the cost to repair or replace damaged or stolen tools, equipment, business gear, etc., getting you back to work quickly.
Our lowest price: $155 / year
Workers compensation insurance
If you have employees, most states mandate that you have a workers comp policy. It covers:
- Medical expenses: Can cover medical costs incurred for employee injuries, like being struck by a rock kicked up by a mower or suffering from heatstroke.
- Lost wages: Designed to pay all or a portion of wages an employee loses because they can’t work due to an employee injury.
- Lawsuit protection: Includes payment of legal expenses from employee lawsuits over work-related injuries.
Workers compensation costs depend on multiple factors, such as the number of employees, the nature of their work, and the level of risk involved in their daily tasks. We’d be happy to give you a free, no-risk quote.
Landscaping is physical, high-risk work that requires the right protection.
Cyber liability insurance
You might not think a landscaping business needs cyber insurance, but if you store client payment information, send invoices, or use online scheduling, you’re at risk. This policy covers:
- Data breaches and malware: If a cyberattack results in hacked systems and lost data, cyber liability can cover recovery costs, notification expenses, and more.
- Legal fees: Client lawsuits over data breaches are covered for legal costs.
Our lowest price: $99 / year
Commercial auto insurance
Your personal auto insurance usually won’t cover work-related accidents. Commercial auto covers:
- Work trucks and trailers: Can cover the cost to repair or replace damaged or stolen vehicles or trailers.
- Liability protection: Designed to cover costs associated with causing an accident while driving to a job site
- Employee drivers: Can cover the costs of claims when employees have accidents using company vehicles.
Additional coverage
- Additional insured: Extends your policy to cover entities like landlords, business partners, or clients who could be named in a claim or suit arising out of your work.
- Landscaping bond: Some clients require you to be bonded. It guarantees that you’ll complete the job as agreed and protects your client against employee theft or dishonesty.
Our lowest price: $131 / year
3. Quick and Easy Online Application
Nobody wants to waste hours filling out paperwork! With Insurance Canopy, you can apply online in minutes and get instant proof of insurance. Need a Certificate of Insurance (COI) for a client? It’s ready as soon as you buy it.
4. Reliable Customer Support
Do you have questions about your coverage or what types of coverage you need? Want help filing a claim? Our U.S.-based, 5-star rated customer support team is happy to help you navigate your policy and get back to work as quickly as possible.
5. Scalable and Customizable Coverage
Starting small but planning to expand? No problem. Insurance Canopy’s policies are flexible, allowing you to add coverage as your business grows, update policy limits for bigger projects, and easily add additional insureds to your policy.
Business growth should be exciting — not a paperwork nightmare. We ensure your insurance keeps up.
Common Landscaping Liabilities
Landscaping is full of unpredictable risks, from accidental property damage to client injuries — no matter how careful you are!
- Property damage:
- A mower kicked up a rock, shattering a sliding glass door.
- A landscaper accidentally clipped a fence, bending metal posts and damaging the structure.
- Third-party injury:
- A third party tripped over a hose, resulting in medical bills and a liability claim.
- A rock thrown from a trimmer struck a bystander, leading to an injury complaint.
- Damage to customer or third-party property:
- A zero-turn mower lost traction on wet grass, scratching a customer’s Jeep.
- A rock from a weedeater cracked a school bus windshield while working near the street.
- Weather-related project delays and risks:
- A storm flooded a trailer, leaving a landscaper unable to operate any tools.
- Heavy rain softened the ground, causing a riding mower to slide into a fence.
- Chemical and pesticide liability:
- A pesticide application drifted onto a neighboring lawn, killing plants.
- A customer reported skin irritation after a lawn treatment, leading to a complaint.
- Slips, trips, and falls on job sites:
- A client slipped on a freshly watered walkway, leading to a liability claim.
Why Insurance Canopy Is the Top Choice for Landscapers
Finding the right insurance for your landscaping business doesn’t have to be complicated. Insurance Canopy combines affordability, the option to customize your coverage, and excellent customer support, positioning it as the top insurance choice for landscapers.
Feature | Insurance Canopy | Progressive | Next | Thimble |
Starting Price | $40* per month | $61.28 per month | $86.91 per month | $97.99 per month |
Coverage options | General liability, tools and equipment, workers comp, cyber liability, additional insureds, landscaping bonds | General liability, workers comp, commercial auto | General liability, workers comp, commercial auto, tools and equipment, umbrella / excess liability, contractors errors and omissions (E&O), employment practices liability insurance (EPLI), and cyber | General liability, business equipment, business owner’s policy, and workers comp (availability varies) |
Ease of application | Quick online application and instant quotes | Slow online quote process or request a quote through an agent | Get a quote online | Online application and instant quotes |
Customer support | Phone, mail, and email in English and Spanish M-F | 24/7 phone, chat, and email support | 24/7 AI support, live phone support | Email/ticket request form M-F |
Auto-renewal | Yes, online auto-renewal | Yes, with auto-pay setup | Customer service will contact you | N/A |
*Based on competitor research in February 2025; prices subject to change. Estimates reflect $1M occurrence / $2M aggregate limit (unless otherwise specified) coverage for a Florida landscaping business with no employees and $100,000 in gross sales.
FAQs About Insurance Canopy’s Landscaping Insurance
Is landscaping insurance required by law?
Whether you’re legally required to have landscaping insurance depends on your state and the type of work you do. Some states require general liability insurance, and most mandate workers compensation if you have employees.
Do I need landscaping insurance if I’m a solo operator?
Yes. Even if you work alone, you’re still liable for property damage, injuries, or accidents caused by your landscaping work.
Do I need workers compensation if I hire subcontractors?
In most cases, you don’t need workers comp insurance to hire subcontractors. Workers comp is designed to cover actual employees. In some states, you might be required to make sure your subcontractors are covered, so it’s a good idea to require them to provide proof of insurance to work with you.
How quickly can I get proof of insurance after purchasing a policy?
Instantly! Once you complete your purchase, you can download your certificate of insurance (COI) immediately.
How do I file a claim?
Log in to your Insurance Canopy account, go to “Manage Policies,” and select “File a Claim.” Fill out the required information and submit it online. A claims adjuster will contact you within 24 to 48 hours for further details.
Get Your Landscaping Business Covered in Minutes
A rock flying through a window. A mower sliding into a customer’s car. In landscaping, accidents happen, but they don’t have to wreck your business. Insurance Canopy gives you the coverage you need, with pricing that makes sense and policies that grow with you.
Get insured in minutes and get back to doing what you do best. Start your application today!
