Gardening Insurance Keeps Your Business Flourishing
- Budget-Friendly
- Custom Fit for Small Businesses
- Instant Proof of Insurance (COI)
Why Do Gardeners Need Insurance?
While insurance for gardeners can seem like a big-business luxury, it’s imperative for keeping your gardening business thriving. With this protection in place, you can focus on what you love—transforming gardens and landscapes—while knowing you’re covered against the industry’s biggest risks.
If a prized bird bath breaks
General Liability coverage ensures it can be replaced, good as new!
If a client gets injured by falling debris
Ouch. Let us handle the medical expenses for accidents on the job.
If you fail to meet client expectations
Lawsuits can be pricey; we’ll cover the defense costs.
If your favorite trowel is stolen
Not “Old Rusty”! 😩 We’ll replace your equipment (but you’ll need to make new memories).
If a fire destroys your warehouse
Don’t despair—we’ll handle the damages.
How Much Does Gardening Insurance Cost?
Gardening insurance with Insurance Canopy starts at just $31 a month, offering tailored coverage to fit your business. Want to know what impacts your premium? We break it down so you can choose the best protection with confidence.
With our quick, 100% online application, you can get a personalized quote in under 5 minutes. It’s simple and stress-free!
Save when you choose annual!
Save up to 12% with an annual gardening insurance policy! Even with seasonal work, an annual plan ensures year-round protection, hassle-free renewals, and peace of mind — making it a smart, cost-effective choice for your business.
What Does Gardening Business Insurance Cover?
From stolen gardening tools to data leaks, our policy inclusions have been informed by gardening professionals just like you!
Included
General Liability Coverage
Property damage and third-party bodily injury claims are the most common in the gardening industry. General liability policies cover all of these scenarios and more. For instance, if a client or passerby is injured by a loose garden tool while you’re pruning bushes, or if a stray pebble from your trimmer accidentally cracks a nearby window, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Additional Insureds
Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. For example, if your crew accidentally damages a client’s property while mowing the lawn or applying fertilizers, the additional insured is protected under your coverage.
This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.
Add-Ons
Cyber Liability Coverage
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your gardening business, Cyber Liability coverage can help you with:
- Data Breach Notification Costs
- Customer Data Loss
- Ransomware and Cyber Extortion
- Legal Fees
- Business Interruption Fees
Tools and Equipment Coverage
Tools and equipment coverage, also known as inland marine, is here to save your blade (and your business). This insurance protects your essential gear—from extra-tough gloves to wheelbarrows—against theft, damage, and mysterious mishaps. So, whether it’s a runaway spade or pocketed pruning shears, rest easy knowing your prized garden gadgets are covered.
Workers Compensation Coverage (Coming Soon!)
Ever thought about what happens if your best gardener slips and falls on the job? Workers compensation for gardening businesses is an insurance policy that covers medical expenses and lost wages if your employees get injured while making lawns pristine.
Commercial Auto Coverage (Coming Soon!)
Imagine your trusty work truck getting sidelined by a fender bender—ouch! That’s where commercial auto coverage for lawn care services comes in. It covers everything from accidents to repairs, keeping your operation rolling smoothly. Whether it’s the ride hauling your fertilizer or the van transporting your team, this insurance ensures you’re back on the road in no time.
Get notified when Commercial Auto is available in your state!
What’s Not Covered by Gardening Insurance?
Gardening insurance ineligible/excluded operations include:
- Tree removal: If it’s lumberjack work, it’s out of our league.
- Tree trimming conducted other than from the ground up (without using walls, ladders, roofs, scaffolding, hoisting equipment, etc.): Keep your feet on the ground, and we’re all good.
- Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
- Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
- Hardscaping: Paving the way? Not on our policy.
I’m Sold! But What Policy Do I Choose?
Unsure which gardening insurance policy best fits you? Consider the scope of your operations (aka, what a day on the job looks like) and daily risk factors (aka, what could land you in hot water). Find what best describes your business:
New & Growing Businesses
We describe new gardening businesses as those with minimal client interactions and low-risk environments. If you offer a singular service—such as planting, seeding, fertilizing, etc.—and interact with only a handful of customers per season, you may fall into this category.
Growing businesses have more frequent client interactions and moderate risk exposure. You could be juggling additional services such as landscaping designs, pest control, or tree care, but not necessarily need a large safety net quite yet.
Start strong with a General Liability Insurance Policy. At this level, we recommend our package with a coverage rate of $500,000 per incident / $1,000,000 per year — ideal for covering basic risks.
Established Business
Established gardening businesses have significant client interactions and higher risk exposure. If you have a backlog of flowers to plant and are a well-known biz in your neighborhood, the likelihood of running into trouble at some point is likely. As you expand your clientele or services, this risk also increases—so you’ll want to know what your policy can deliver.
Insurance Canopy’s elevated General Liability Insurance package offers coverage of $1,000,000 per incident / $2,000,000 so you can keep growing in confidence. And don’t forget to add Workers’ Compensation insurance to the mix to protect your employees in case of work-related injuries. It’s a smart move to keep your team safe and your business running smoothly.
Please note: we’re in the business of small businesses, so our coverage is only available for businesses with payroll under $200K and annual revenue under $1.5M.
Tools and Equipment Insurance
This one’s a must-have for gardening businesses. Your tools and equipment are what keep those gardens and your business booming. Without proper coverage, unexpected damages or theft could leave you scrambling and disrupt your service commitments, potentially costing you clients and revenue. Our packages include:
- $1,000 per incident / $3,000 per policy year (+$3.33/month): Adequate for new businesses with limited equipment.
- $2,000 per incident / $6,000 per policy year (+$4.58/month): Suitable for growing businesses with a moderate amount of equipment.
- $5,000 per incident / $10,000 per policy year (+$5.00/month): Best for established businesses with significant investments in tools and equipment.
Coverage Limits for Gardening Business Insurance
Maximum Gardening Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits
Premium
Deductible
$5,000 Policy Year
$155
$500
$10,000 Policy Year
$258
$25,000 Policy Year
$670
Specific Questions? We’re on it.
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Why Your Competitors are Choosing Insurance Canopy
Because they realize that protecting their assets with us is like grounding in good soil. 🙂 Hundreds of small gardening businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
Hear What Our Real Clients Have To Say
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
-
Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024
You have questions. We have answers.
Is my gardening insurance policy effective immediately?
Yep. As it should be!
With Insurance Canopy, your gardening insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment—allowing you to get back to work without skipping a beat. Just make sure to review your policy documents for any specific conditions or exclusions!
Can I cancel my gardening policy at any time?
You can cancel your gardening policy with Insurance Canopy at any time.
Listen. We’re not your Ma and Pa’s insurance company looking to lock you down in secretive, fine-print contracts. We’re spearheaded by small business owners just like you—people who know that life is full of unexpected changes and that you may just need to cancel your policy.
Simply contact our customer service teams and they’ll guide you through the cancellation process. Be sure to review your policy terms for any potential cancellation fees or refund eligibility to ensure a smooth transition. Keep in mind that any payments made for previous months won’t be refunded.
While you have the flexibility to cancel, we don’t recommend it unless absolutely necessary, as it could leave your business exposed to potential liabilities that far outweigh the cost of maintaining coverage.
How do I file a gardening claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- 🖥️ Log in to your dashboard
- 🧐 Find “Manage Policies”
- 📂 Click on “File a Claim” and share your info
Once you’re done, a trusty claims adjuster will swoop in to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly.
Remember, we’re here to help you, too! If you have any questions or need assistance, please reach out.
How do I renew my gardening insurance policy?
You may have gotten the gist by now—we love making things easy on you. Our EZ-Renew feature automatically refreshes your policy yearly, so your coverage won’t miss a beat. We’ll email you a reminder before this happens so you’re always in the know. If you opt out of EZ-Renew but still want to continue your coverage, you’ll need to complete a new application from scratch.
As your business grows, you can adjust your coverage by contacting our support team, who can help you increase coverage limits, add or remove specific coverages based on new services or equipment, and ensure compliance with new client contract requirements, ensuring your policy evolves with your business needs.
And there you have it. Enjoy the perks of your continued peace of mind—and keep your business blooming!
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Mow Down Risks With Insurance Canopy
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