Landscaping Insurance
- Budget Friendly
- Built for Small Businesses
- Instant Proof of Insurance! (COI)
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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.
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If a mower flings a rock into a client’s window
General liability insurance makes sure your clients are reimbursed.
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If you hit a pipeline while digging a flower bed
General liability insurance helps cover potential legal expenses.
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If an employee sprains an ankle after tripping over a hose
Workers compensation coverage aids with medical costs.
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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.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As 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 am so thankful for Canopy and to not have a shared aggregate limit with thousands of other massage therapists. Individual coverage is EXTREMELY important to Me and this coverage is very affordable!
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
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’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 their representative. Everything was painless and reasonably priced.
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 phone step by step to solve it. I definitely will be back n the future. Thank you
Ana Zavala
January 6, 2025I 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 were really easy to use.
Susan Tedesco
January 6, 2025Great 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 a good thing to have!
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 the best company was for getting Energy auditing insurance. I went to insurance canopy and literally within five minutes I had a policy sitting in my inbox. Today I’ve scheduled three Energy Audits, which I desperately needed to pay off some bills. I was able to sign up for a program because now I meet the insurance requirements. This company really paid off for me and at $40 a month, I will keep using them as long as I do Energy Audits. I’m a real person my name is Chad Laibly and my company is Home Energy Assessors. You can verify that by googling it.
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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 and found that Insurance Canopy fit the bill. They were affordable, and they make it very easy to add venues, print certificates, and send verifications to vendors. So now, if someone loses a limb from a papercut, I'm covered! Thanks Insurance Canopy!
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely 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 the phone. They provide peace of mind, that is priceless! Easy renewal process, easy COI's and painless, I don't have to worry about a thing. Thank you IC! @djrames_miami
Robert Avila
November 6, 2024Your 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 with your on site chat room was easy and helpful. Most definitely will use your company again for our next events! Thank you
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 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 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey 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, 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, 2024She is positive and friendly !
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 the website. Very satisfied! I highly recommend Insurance Canopy to all musicians and artists. .
Paul Tolle
September 6, 2024I 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 it easy to make changes to my policy if I need to. Lastly, the cost of my insurance is very reasonable!
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
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.
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
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 am so thankful for Canopy and to not have a shared aggregate limit with thousands of other massage therapists. Individual coverage is EXTREMELY important to Me and this coverage is very affordable!
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
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
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 their representative. Everything was painless and reasonably priced.
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 phone step by step to solve it. I definitely will be back n the future. Thank you
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 were really easy to use.
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 the best company was for getting Energy auditing insurance. I went to insurance canopy and literally within five minutes I had a policy sitting in my inbox. Today I’ve scheduled three Energy Audits, which I desperately needed to pay off some bills. I was able to sign up for a program because now I meet the insurance requirements. This company really paid off for me and at $40 a month, I will keep using them as long as I do Energy Audits. I’m a real person my name is Chad Laibly and my company is Home Energy Assessors. You can verify that by googling it.
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 a good thing to have!
Steve Bryant
January 6, 2025
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.
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