Landscaping Insurance

Starting At

$31/ month

or save up to 12% with annual payments
4.8/5
A landscaper happily carries his tools. In the bottom left corner is an image of fake Certificate of Insurance for a landscaping business.

Tailored To Your Landscaping Profession

Why Do Landscaping Businesses Need Insurance?

While you’re out there making the world a greener place, the unexpected can strike at any time — that’s why business insurance for landscaping is crucial. With this safety net in place, you can continue your work with peace of mind, knowing you’re protected against the landscaping industry’s most common claims.

Icons of stones

If a mower flings a rock into a client’s window

General liability insurance makes sure your clients are reimbursed.

Icon of pipes

If you hit a pipeline while digging a flower bed

General liability insurance helps cover potential legal expenses.

Icon of a hose

If an employee sprains an ankle after tripping over a hose

Workers compensation coverage aids with medical costs.

Icon of a shovel

If your old faithful shovel is stolen

Tools & equipment coverage replaces stolen equipment—good as new.

Activities We Cover

Lawn Mowing & Maintenance | Landscaping | Gardening | Leaf Raking | Gutter Cleaning | Groundskeeping | Tree & Shrub Trimming | Hanging Christmas Lights | Fertilizing | Weed Killing/Prevention | Thatching or Aerating | Planting Flowers, Small Trees, Shrubs | Interior Landscaping

How Much Does Landscaping Insurance Cost?

Secure your landscaping business with insurance starting at only $31 per month. Our competitive coverage is tailored to your needs, and understanding the factors that influence your final premium costs can help you make the best choice for your protection. Plus, pay annually and save up to 12%!

Recommended Insurance Coverage for Landscaping Businesses

Our landscaping insurance includes required general liability coverage for client contracts. We suggest adding coverage for worker injury, employee dishonesty, and theft or loss of supplies. Review excluded activities before purchasing.

Included

General Liability Coverage

General liability insurance for landscapers shields you from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming trees or if a rock from your lawnmower accidentally shatters 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

An additional insured is an individual or entity added to your policy to extend coverage to them in specific situations. Clients who hire landscaping contractors often require this to protect themselves from liability if something goes wrong on the job.

For example, if a landscaping company is hired by a property management firm to maintain the grounds of a commercial building, the property management firm may request to be added as an additional insured. Similarly, a homeowner’s association (HOA) might ask to be included when contracting a landscaper for neighborhood maintenance. This ensures that if any accidents, injuries, or property damage occur during the landscaping work, both the landscaping company and the client are covered under the policy.

Add-Ons

Tools and Equipment Coverage

Tools and equipment coverage, also known as inland marine insurance, protects your essential gear—from hedge trimmers to leaf blowers—against theft, damage, and mysterious mishaps. So, whether it’s a runaway rototiller or pocketed power tools, rest easy knowing your prized landscaping gadgets are covered.

Landscaping Surety Bonds

Surety bonds are crucial for landscaping companies, as they protect your operations and build client trust. This bond involves three main parties: the landscaping contractor (you!), the client, and the surety company, which guarantees you will meet the contract’s obligations.

While surety bonds are not mandatory everywhere, they are required to legally perform landscaping work in many jurisdictions and on public construction projects.

With a surety bond in place, clients can invest with assurance. You can purchase your bond in your customer dashboard after you’ve purchased your landscaping Insurance policy — just a few clicks and you’re covered.

Types of bonds we offer:

  • Business Service Bonds
  • License & Permit Bonds
  • Contractor Bonds
  • Custom Pesticide Applicator Bonds

Cyber Liability Coverage

Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your landscaping business, this coverage can help you with:

  • Data Breach Notification Costs
  • Customer Data Loss
  • Ransomware and Cyber Extortion
  • Legal Fees
  • Business Interruption Fees

Workers Compensation Coverage

Ever thought about what happens if someone on your team suddenly twists an ankle on the job? Workers compensation for landscaping businesses is an insurance policy that covers medical expenses and lost wages if your employees get injured while making outdoor spaces 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 landscaping 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!

Coverage Limits for Landscaping Business Insurance

Maximum Landscaping 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

Have questions?

Our non-commissioned, licensed agents are available to answer any questions you may have!

Monday to Friday, 8 am – 8 pm EST

se habla español

Why Landscapers are Choosing Insurance Canopy

Your business means everything to you — and we see that. Insurance Canopy brings industry know-how and transparency, so you can focus on what truly matters.

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Affordable & Transparent Policies

Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your landscaping business.

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Tailored for Small Businesses Like You

We’re aware of the unique risks landscapers face. Our coverage is designed to protect your expertise and support your business as it grows.

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100% Online With Human Expert Support

Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.

135,000+ Small Businesses Trust Insurance Canopy

  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025

    Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025

    As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025

    Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025

    I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025
  • Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More

    Ana Zavala Avatar Ana Zavala
    January 6, 2025

    I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More

    Susan Tedesco Avatar Susan Tedesco
    January 6, 2025

    Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More

    Steve Bryant Avatar Steve Bryant
    January 6, 2025
  • Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More

    Chad Laibly Avatar Chad Laibly
    January 6, 2025

    Great and affordable insurance

    Peter DAntoni Avatar Peter DAntoni
    December 6, 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 Avatar Paul McNeilly
    November 12, 2024
  • I’m just saying that is easy to get the vendors insurance with this company

    Silvia Delgado Avatar Silvia Delgado
    November 6, 2024

    Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More

    Robert Avila Avatar Robert Avila
    November 6, 2024

    Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More

    Rebecca Ruby Avatar Rebecca Ruby
    November 6, 2024
  • Quick easy sign-up convince is great

    Vincent Davanzo Avatar Vincent Davanzo
    November 6, 2024

    Great to work with. Always available for assistance.

    Two Pour Girls Bartending Avatar Two Pour Girls Bartending
    November 6, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 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 Avatar Vickie Sundgren
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024

    Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith Jr
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar 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 Avatar 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 Avatar Alana Wyld
    September 14, 2024

    She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024
  • Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More

    Paul Tolle Avatar Paul Tolle
    September 6, 2024

    I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More

    Don Kirby Avatar Don Kirby
    September 6, 2024

    Best price I have found! Excited to be a customer

    Dustin Price Avatar Dustin Price
    September 6, 2024
  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025
  • Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025
  • As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025
  • Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025
  • I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025
  • Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More

    Ana Zavala Avatar Ana Zavala
    January 6, 2025
  • I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More

    Susan Tedesco Avatar Susan Tedesco
    January 6, 2025
  • Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More

    Chad Laibly Avatar Chad Laibly
    January 6, 2025
  • Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More

    Steve Bryant Avatar Steve Bryant
    January 6, 2025

Questions About Landscaping Insurance

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Exclusions

  • Design or architecture
  • Handling infectious waste or hazardous materials
  • Irrigation or sprinkler installation (only incidental damage repair allowed)
  • Swimming pool, water feature, or pond installation/maintenance
  • Retaining walls, land preservation, or erosion control
  • Hardscaping
  • Window washing
  • Exterior work over two stories
  • Use or application of any pesticide or herbicide requiring a license
  • Stump grinding or removal
  • Inspection, appraisal, or surveying
  • Planning or designing land development (e.g., parks, recreational areas, airports, highways, hospitals, schools, land subdivisions, commercial, industrial, or residential areas)