The best landscaping insurance companies provide reliable protection for everything from stolen equipment and injured employees to accidental property damage. All that, plus fast access to a Certificate of Insurance (COI). We rated the top five best insurance options for landscapers to help you know which is best for your business.
- Best for small to medium-sized businesses seeking affordable, industry-specific protection:
Insurance Canopy - Good choice for businesses looking for flexible, short-term coverage options: Thimble
- Top pick for large landscaping businesses: Hartford
- Best for business owners wanting a fully digital insurance experience: Next Insurance
- Recommended for business owners with commercial vehicles: Progressive
Best Landscaping Insurance Companies Compared
Company | Price | Coverage Offered | Quote Process | Accessibility | Instant COI | Financial Rating |
Insurance Canopy | $40 / month | General liability, trailer and equipment, workers comp, commercial auto, cyber liability, additional insureds, landscaping bonds | Instant online | Phone, mail, and email support in English and Spanish M-F , 8 am – 8 pm EST | Yes | A+ |
Thimble | $97.99 / month No $1M/$2M policy – pricing shown is for $1M/$1M coverage | General liability, equipment, business owners policy, workers comp (availability varies) | Instant online | Chat and email support only M-F | Yes | A |
The Hartford | Varies. Need to request a quote | General liability, property, commercial auto, inland marine, umbrella, workmanship error, cyber liability, crime, kidnap and ransom, business income, workers comp, business income for off-premises utility services | Via an agent | Phone, mail, and email support M-F, 9 am – 9 pm EST | Within 5 minutes | A+ |
Next Insurance | $86.91 / month | General liability, workers comp, commercial auto, tools and equipment, umbrella / excess liability, contractors errors and omissions (E&O), employment practices liability insurance (EPLI), cyber liability | Instant online | 24/7 AI chat plus limited phone support M-F, | Yes | A- |
Progressive | $61.28 / month | General liability, workers comp, and commercial auto | Slow online process | 24/7 phone, chat, and email | Unknown | A+ |
Based on competitor research in February 2025. Prices are subject to change. Estimates reflect coverage for a business with zero employees, operating in Florida, with a $1M occurrence / $2M aggregate limit (unless otherwise specified) and $100,000 in gross sales.
Insurance Canopy: Best Industry-Specific, Affordable Insurance for Landscapers
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Price: $40 per month (most affordable landscapers insurance) | |
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Thimble: Best for Flexible, Short-Term Coverage
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Price: $97.99 per month | |
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The Hartford: Best for Large Landscaping Companies
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Price: Varies — they recommend requesting a personalized quote | |
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Next Insurance: Best for Landscapers Wanting a Fully Digital Experience
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Price: $86.91 | |
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Progressive: Best for Landscapers Needing Commercial Auto
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Price: $61.28 per month | |
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Questions About Landscaping Insurance
What is the best insurance for landscaping businesses?
The best insurance for landscaping businesses wanting affordable coverage is Insurance Canopy, but it also depends on the business size and specific needs. For example, The Hartford would be better for large companies that have multi-faceted operations to cover.
What types of claims are most common for landscaping businesses?
The four most common claims landscaping businesses face, include:
- Property damage: Objects like rocks or debris can be propelled by equipment such as mowers or trimmers, potentially causing damage to windows, vehicles, or other property
- Bodily injury: Accidents can occur on job sites, injuring clients, employees, or bystanders
- Equipment damage or theft: Tools and machinery are susceptible to damage or theft, which can disrupt operations
- Environmental hazards: Landscaping work can cause soil erosion or water runoff, resulting in property damage or legal claims
Do I need landscaping insurance if I only operate seasonally?
Yes, even seasonal businesses can benefit from landscaping insurance. Accidents and damages can happen anytime you work — coverage protects you from legal and financial setbacks.
Plus, risks like stolen equipment or liability claims don’t have an off-season! Choosing an annual plan may also save you money over short-term coverage while keeping you protected year-round.
Does landscaping insurance cover subcontractors or temporary workers?
Landscaping insurance typically doesn’t cover subcontractors or temporary workers. These workers need to have their own insurance to cover any accidents or damages. Landscaping businesses should check if subcontractors or temporary workers have the right insurance before hiring them.
Do I need workers compensation insurance if I don’t have employees?
Workers compensation insurance is not required if you don’t have employees, but it’s something to consider if you hire workers in the future.
Get the Best Landscaping Insurance for Your Business
Ready to protect your business with the best insurance for landscapers? Insurance Canopy offers affordable, customized insurance options designed for landscapers like you. Get your personalized quote today and start securing your business with the coverage it deserves.
