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

Our coverage reinstalls that pricey stained glass—good as new!

Icon of a hose

If a client trips over a runaway hose

Ouch. Let us pay the medical expenses for accidents on the job.

Icon of pipes

If you hit a pipeline while digging a flower bed

Accidents happen. General liability has the fallout covered.

Icon of a shovel

If your old faithful shovel is stolen

Don’t let thieves steal your peace of mind. We’ll replace it!

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 just $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.

Through our 100% online application, you can get a no-hassle quote based on your specific business needs in less than 5 minutes!

Save when you choose annual!

Choose annual payments and save up to 12%, starting at just $336. No need to juggle monthly payments when you can enjoy peace of mind for a whole year. Don’t miss out on this smart way to save time, money, and hassle!

What Does Landscaping Insurance Cover?

From slips-and-falls to data leaks, our business insurance for landscapers has been informed by landscaping professionals just like you! Be sure to check out our exclusions 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.

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 (Coming Soon!)

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

Specific Questions? We’re on it.

Our licensed agents are available to answer any questions you may have!

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Why Landscapers are Choosing Insurance Canopy

Because 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.

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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.

100,000+ 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 Avatar Paul McNeilly
    November 12, 2024

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

    Edward Findley Avatar 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    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
    October 7, 2024

    Rey was amazing. So easy! So fast!

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    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.

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    September 14, 2024
  • She is positive and friendly !

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    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 🙂

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    September 14, 2024

    Affordable plan and very easy to access when I need it

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    July 13, 2024
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    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

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    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

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    July 12, 2024
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    July 5, 2024

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

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    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

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    April 7, 2024
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    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

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    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

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    April 2, 2024
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    April 2, 2024

    It was fast and easy.

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    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

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    March 27, 2024
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    March 26, 2024

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    March 26, 2024

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    Lionel Harrison Avatar 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 Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    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
    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

Questions About Landscaping Insurance

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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

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Nature Waits for No One—Nor Should Your Coverage.

Related Articles

Exclusions

  • Designing operations or playing landscape architect: We’re all for creativity, just not on this policy!
  • Handling infectious waste or hazardous materials: Leave the biohazards to the professionals in hazmat suits, please.
  • Irrigation or sprinkler installation (only incidental damage repair allowed): We love a good sprinkle, but no full-blown waterworks here!
  • Swimming pool, water feature, or pond installation/maintenance: We’ll stick to swimming in paperwork, thanks!
  • Retaining walls, land preservation, or erosion control: Building walls is beyond our coverage—just call us the anti-Humpty Dumpty.
  • Hardscaping: Paving the way? Not on our policy.
  • Window washing: We’ll admire the view from the ground, streaks and all.
  • Exterior work over two stories: Heights give us vertigo—two stories or less, please 😬
  • Use or application of any pesticide or herbicide requiring a license: No chemical warfare in the garden, okay?
  • Stump grinding or removal: We’re stumped on this one—no grinding allowed!
  • Inspection, appraisal, or surveying: We don’t do the measuring tape thing.
  • Planning or designing land development (e.g., parks, recreational areas, airports, highways, hospitals, schools, land subdivisions, commercial, industrial, or residential areas): Dream big, but the grand designs aren’t covered.