Landscaping Insurance for Every Season
- Budget Friendly
- Built for Small Businesses
- Instant Proof of Insurance! (COI)
Why Do Landscaping Businesses Need Insurance?
While you’re out there making the world a greener place, the unexpected can strike—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 covered no matter the challenges.
If a mower flings a rock into a client’s window
Property damage coverage reinstalls that pricey stained glass—good as new!
If a client trips over a runaway hose
Ouch. Let us pay the medical expenses for accidents on the job.
If you fail to deliver on contract terms
If your old faithful shovel is stolen
Don’t let thieves steal your peace of mind. We’ll replace it!
If a flood ruins your warehouse
Rainy days happen. Repair costs are on us.
How Much Does Lawn Care Business Insurance Cost?
We know you want comprehensive coverage that doesn’t set you back financially. Here’s the twist… that’s what we want, too. 🙂 At just $30.50 a month, we offer lawn business insurance coverage that doesn’t break the bank and comes through for you when needed.
- Size of Your Business: Got a lot of green to manage? Higher premiums.
- Location: Your rates can vary based on where you’re planted and local risks.
- Claims History: Had claims before? Expect those premiums to go up.
- Coverage Limits: Need higher limits? That’ll add to the cost.
- Additional Coverages: Extras like equipment insurance or workers’ comp will raise your premium.
What Does Landscaping Insurance Cover?
From slips-and-falls to data leaks, our business insurance for landscapers inclusions have been informed by landscaping professionals just like you!
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
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 team accidentally damages a client’s property while trimming trees or installing a garden, the additional insured is protected under your policy.
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 landscaping business, this 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 insurance, is here to save your blade (and your business). This 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.
Workers' Compensation Coverage (Coming Soon!)
Ever thought about what happens if someone on your team suddenly twists an ankle on the job? Worker’s 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 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 Under Landscaping Liability Insurance?
Landscaping liability 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 what landscapers’ 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 landscaping businesses as those with minimal client interactions and low-risk environments. If you offer a singular service—such as raking, pruning, dethatching, seasonal cleanups, etc.—and interact with only a handful of customers per season, you may fall into this category.
Growing landscaping businesses have more frequent client interactions and moderate risk exposure. You could be juggling additional services such as rock 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 landscaping businesses have significant client interactions and higher risk exposure. If you have a backlog of yards to tend to 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 landscaping 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.
Please note: we’re in the business of small landscaping 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 landscaping businesses. Your tools and equipment are what keep those hedges pruned 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 landscaping businesses with limited equipment.
- $2,000 per incident / $6,000 per policy year (+$4.58/month): Suitable for growing landscaping businesses with a moderate amount of equipment.
- $5,000 per incident / $10,000 per policy year (+$5.00/month): Best for established landscaping businesses with significant investments in tools and equipment.
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
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 a ‘mow-brainer’! Hundreds of small landscaping 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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Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
October 7, 2024Rey was amazing. So easy! So fast!
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.
September 14, 2024She is positive and friendly !
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
September 14, 2024 -
Affordable plan and very easy to access when I need it
July 13, 2024Always easy to use! Thank you!
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
July 12, 2024 -
I 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 so now they are organized, eager to please, and polite. They merit 5 stars now! Thank you.
July 12, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
July 5, 2024Always done very well for us. Highly recommended.
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
July 5, 2024I 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 me when my policy is gong to expire. In addition, their costs are fair and reasonable.
July 5, 2024quick and easy to sign up and did not break the bank!!
April 8, 2024 -
Received 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 the request came in on our first purchase of many.
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
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 processing fees. That was not the case with Insurance Canopy and prompted me to buy all the protection I need at a great price. Thank you for the easily navigated website as well.
April 4, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
April 2, 2024It was fast and easy.
March 31, 2024 -
Chat 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 good and you can bind a policy in minutes. My band is called Collective Vibes Duo and you can find us on all the social channels under that name
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
March 26, 2024 -
I'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!
March 26, 2024great experience so far, always able to reach a human representative on the phone!
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
March 25, 2024 -
Very easy process to get peace of mind
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
March 25, 2024Super friendly service..
March 25, 2024
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Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
October 7, 2024 -
Rey was amazing. So easy! So fast!
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.
September 14, 2024 -
She is positive and friendly !
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 🙂
September 14, 2024 -
Affordable plan and very easy to access when I need it
July 13, 2024 -
Great 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
July 12, 2024 -
Always easy to use! Thank you!
July 12, 2024 -
I 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 so now they are organized, eager to please, and polite. They merit 5 stars now! Thank you.
July 12, 2024
You have questions. We have answers!
Is my landscaping insurance policy effective immediately?
Yes. As it should be!
With Insurance Canopy, your landscaping 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 landscaping policy at any time?
You can cancel your landscaping 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 landscaping 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 landscape insurance policy?
You may have gotten the gist by now—we love making things easy on you. Our EZ-Renew feature automatically refreshes your landscaping business 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 landscaping 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)
Nature Waits for No One—Nor Should Your Coverage.
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