Gardening Insurance
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- Purchase 100% Online
- Covers Accidental Damage
- Meets Client Insurance Requirements
- Protects Your Equipment
What Is Gardening Insurance?
At its root, gardening insurance protects you and your business from third-party claims like property damage, injuries, and legal fees. If you accidentally mow over a client’s solar lighting or a pedestrian trips on your power cords and sprains a wrist, this coverage can cover some or all of your financial responsibility.
Insurance for gardeners doesn’t just keep you from paying out-of-pocket expenses — it ensures your business keeps running smoothly, safely, and confidently.
How Much Does Insurance for Gardeners Cost?
Gardening insurance starts at just $33.75/month or $375/year.
This protects you (the owner) and up to two employees, with options to add coverage for up to nine employees.
What Insurance Do I Need to Be a Gardener?
Whether you’re a solo gardener or run a small crew, every professional gardener should have general liability insurance. Accidents happen in every line of work, and damage to a client’s property is always a possibility. Public liability insurance for gardeners helps cover those costs so you’re not left footing the bill.
Depending on your unique business needs, you can also customize your coverage with add-ons, like:
- Equipment & Tools Coverage: Covers your movable business gear, like gardening tools and mowers
- Workers Compensation Coverage: Pays for medical expenses and lost wages if an employee is injured or gets sick on the job
- Lawn Care Surety Bonds: Coverage if you can’t fulfill a contractual obligation
- Cyber Liability: Protection against cybercrime-related claims, like ransomware and data breaches
- Commercial Auto Coverage: Liability insurance for your work vehicles
Why Insurance Canopy Has the Best Gardening Insurance
Recognized by Fit Small Business as the most affordable landscaping insurance on the market, we offer nationwide coverage and robust policy limits to support your blooming business. Our mission is to support you wherever you are on your professional journey with highly-rated, customizable coverage.
Maximum Gardening Liability Insurance Limits
General Aggregate
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
Products & Completed Operations Aggregate
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.
$1,000,000
Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
Personal & Advertising Injury Limit
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 libel 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
$500,000
Damage to Rented Premises Limit
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
Equipment & Tools Coverage (Inland Marine)
Also known as “inland marine,” this coverage protects moveable property such as equipment, inventory, and supplies. However, it excludes coverage for structures and items that are permanently fixed to one location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Professional Liability
Also called “errors and omissions,” this coverage protects business owners from financial loss related to mistakes, negligence, and errors made on their part when conducting business. If you offer garden design consultation and/or advice and recommendations that lead to loss, professional liability insurance may provide coverage.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Snow and Ice Removal
Snow and ice removal offers liability coverage for lawn care businesses that perform residential snow removal services. Single-family homes, small multi-family complexes, and driveways are all covered. However, services for commercial properties and public roads are not eligible under this coverage.
$217/mo. or $2,604/yr.
Pool and Pond Maintenance
From pool cleaning and chemical treatment to basic repairs for pumps and filters, pool and pond maintenance coverage is your safety net against costly claims. For example, if you or an employee accidentally damages a client’s pool surface or equipment while working, this coverage helps cover the cost of repairs or replacements.
$20/mo. or $240/yr.
Pressure Washing
Designed specifically for lawn care businesses that service residential driveways, patios, exterior walls, and fences, pressure washing coverage keeps you working when claims come your way. Surfaces higher than two stories are not covered under this protection, and your company must only use non-toxic, water-based cleaners.
$13/mo. or $156/yr.
Additional Insureds
For some gardening jobs, you’ll need to add clients or contractors to your liability policy. These additional insureds are temporary additions priced at just $0.83 per month, or $10 per year. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Workers Compensation
Workers compensation provides coverage for employees who suffer work-related injuries or illnesses while on the job. In addition to covering an employee’s medical expenses, rehabilitation, and lost wages, workers compensation also pays your legal fees if the employee sues over a workplace injury or illness.
Surety Bonds
If you are unable to fulfill the terms of a gardening contract, surety bonds step in and protect your client from financial loss. Bonds also help you meet legal requirements, which gives clients confidence that you’re the right choice for their gardening needs. The result? More jobs for you and your team.
Commercial Auto Coverage
For landscapers and gardeners, trucks, trailers, and other business vehicles are essential for transporting crews and equipment. If an accident occurs while driving, commercial auto liability covers third-party injuries and property damage. It also covers theft and vandalism of your equipment.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Top-Quality Liability Insurance for Gardeners
Gardening insurance keeps accidents from uprooting your business. Purchase your policy today!
FAQs About Gardening Business Insurance
How do I get an instant COI and add clients as Additional Insureds?
You can download your certificate of insurance (COI) immediately after purchasing your policy. To add clients to the policy, simply navigate to the Additional Insureds section of your dashboard.
What limits do clients usually require for gardeners?
Most clients require $1M per occurrence / $2M aggregate. The required limits can vary depending on the size of the job and the amount of risk it involves, so always verify with your client to ensure you have enough coverage.
Are my tools and equipment covered on the job or in transit?
Yes, the optional Equipment & Tools add-on covers theft or damage to gear in transit, on site, or in storage, subject to selected limits and a deductible.
Does gardening insurance cover pesticide or herbicide application?
Gardening insurance does not cover pesticide and/or herbicide applications that require a license.
Do I need workers’ compensation for my gardening business?
A majority of U.S. states require businesses with employees to have workers’ compensation insurance. However, requirements vary by state, so be sure to check your state’s guidelines for the most accurate information.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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