Landscaping Insurance

Starting At

$31/ month

or save up to 12% with annual payments

★★★★★ 4.8/5

4.8/5 on

Tailored To Your Landscaping Profession

Lawn Care

Gardening

Tree Service

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.

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

General liability insurance makes sure your clients are reimbursed.

If you hit a pipeline while digging a flower bed

General liability insurance helps cover potential legal expenses.

If an employee sprains an ankle after tripping over a hose

Workers compensation coverage aids with medical costs.

If your old faithful shovel is stolen

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

Activities We Cover

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

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.

$2,000,000

Each Occurrence Limit

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

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 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

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

Medical Expense Limit

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.

Affordable & Transparent Policies

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

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.

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

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 Jr
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
She is positive and friendly !

Alan Dynin
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

Affordable plan and very easy to access when I need it

Angela Lobianco
July 13, 2024
Always easy to use! Thank you!

CahillandDelene
July 12, 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

Rich Bonifazio
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

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, 2024

Always done very well for us. Highly recommended.

Kenny Casanova
July 5, 2024

Nothing 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, 2024

quick and easy to sign up and did not break the bank!!

Michael “Michael” Jobe
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

Robert Caudle
April 7, 2024
Easy to apply online, it take 5 mins and get your provf of Insurance.

Francesca Wine
April 6, 2024

I 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, 2024

Just 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, 2024

It was fast and easy.

Vincent Cabello
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

Patrick McElhaney
March 27, 2024
Process was easy. Relevant information accessible. Platform is very user friendly.

Carolina Santos
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!

Aaron Copenhaguen
March 26, 2024

The 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 Jr
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

Questions About Landscaping Insurance

Do I need insurance as a landscaper?

Yes. You’ll need landscaping general liability insurance to protect your business from risks like property damage, third-party injuries, or legal actions. Additional coverages, such as workers compensation, can protect your employees from work-related injuries. Equipment coverage secures your tools, and commercial auto insurance covers vehicles used for business.

Is my landscaping insurance policy effective immediately?

Yes. When you choose Insurance Canopy, your landscaping insurance policy activates immediately after purchase. You’ll get instant confirmation of your coverage and your Certificate of Insurance (COI) promptly after completing the online application and payment. Don’t forget to check your policy documents for any specific conditions or exclusions.

How do I renew or cancel my policy?

You can cancel your business insurance for landscapers anytime. Just contact our customer service team, and they will assist you with the cancellation process. Review your policy terms for any applicable cancellation fees or eligibility for a refund to ensure a smooth transition.

Renewing your policy is simple. Policies automatically renew at the end of their term to avoid coverage gaps. You’ll receive an email notification before the renewal, so there are no unexpected charges. If you want to make changes to your policy, feel free to reach out to support.

How do I file a landscaping claim?

Filing claims with Insurance Canopy is as easy as it gets. Simply:

Log in to your dashboard
Find “Manage Policies”
Click on “File a Claim” and share your info

Once you finish, a claims adjuster will contact you to provide assistance. They will guide you throughout the entire claims process to ensure everything runs smoothly. If you have any questions or need assistance, don’t hesitate to get in touch.

Nature Waits for No One—Nor Should Your Coverage.