Landscaping Insurance

Landscaping Insurance

Large landscaping companies and independent landscaping contractors need customized landscaping business insurance to cover their liability risks

Zensurance - Landscaping Insurance

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Insurance for landscapers

Professional landscapers are horticultural experts who make our outdoor spaces beautiful all year round. They specialize in lawn, hedge, and property design and maintenance and offer seasonal cleanups for commercial and residential properties to create, foster, and maintain sustainable landscapes for their clients.

However, landscaping businesses and contractors face various liability risks that can upend their businesses and finances. A comprehensive landscaping insurance policy covers landscapers for damages and losses sustained due to accidents, legal threats, incidents beyond their control, theft, and vandalism.

Landscaping insurance provides financial coverage for common lawsuit claims against landscapers, such as third-party bodily injuries and third-party property damage.

Similar to general contractor insurance policies, landscaping insurance is designed to protect your business, property and contents, vehicles, and tools and equipment from expensive damages or the threat of lawsuits.

A comprehensive landscaping business insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL covers third-party bodily injuries and third-party property damage claims or allegations resulting from your regular business activities. It may also include product liability insurance to protect you from injury and damage claims from any product you manufacture, distribute or sell.
  • Tools and Equipment Insurance: This type of coverage protects the transportable tools and equipment your landscaping business uses if damaged by fire, water, a natural disaster, vandalism, or if stolen by paying to repair or replace them. From hand tools and safety gear to heavy equipment like bulldozers, tools and equipment insurance is a must-have for landscapers and all contractors.
  • Pollution Liability Insurance: Your landscaping company’s vehicles and heavy equipment, as well as the fertilizers and pesticides it uses, can lead to claims of environmental, third-party bodily injury, and third-party property damage. Pollution liability insurance can cover your costs for such claims, whether immediate or made later, including civil fines and cleanup costs.
  • Commercial Property Insurance: Whether you own or lease an office or warehouse for your landscaping business or work out of your home, you should have commercial property insurance to pay for damage and loss to your property and business contents caused by fire, water, severe weather, theft, and vandalism. It is designed to pay for replacing or repairing your building and attached structures, office contents, electronics, inventory, and any tenant improvements you make to a leased or rented property. Commercial property insurance may also include business interruption insurance to cover your lost income and overhead costs if you’re forced to temporarily close for repairs following an insurable loss, such as a fire.
  • Commercial Auto Insurance: A private-passenger car insurance policy is not designed to cover your business vehicles. Commercial auto insurance does, regardless of your vehicle type and the trailers you use to transport heavy equipment. Any vehicle used for business purposes should be covered by commercial auto insurance.

Landscaping business insurance costs will vary by insurance provider. However, general liability insurance with a $2 million coverage limit typically starts at approximately $500 per year.

Insurers consider several factors about your operations when determining the cost of your policy, including:

  • Number of Employees
  • Landscape Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Yes. Regardless of your landscaping services, the risks are worrisome, especially in locations prone to harsh weather.

Additionally, landscaping projects can amount to large client contracts, and most property owners expect you to be adequately insured and may ask to see your certificate of insurance. Being insured protects you and your clients, giving you a leg up on the competition.

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Common claims scenarios

Burglar breaking into work van

Problem: You’re hired to redesign and build a residential client’s backyard. A burglar breaks into your work van the night before the project starts and steals your tools and equipment.

Outcome: Tools and equipment insurance may pay to replace your stolen tools and equipment.

landscape excavation

Problem: A company hires you to renovate its outdoor wedding venue. While excavating the grounds, one of your clients trips on an uprooted tree, falls, and fractures their wrist.

Outcome: General liability insurance may cover your injured client’s medical and rehabilitation expenses.

workshop on fire

Problem: A fire ignites in your office overnight, destroying the building and all your office contents.

Outcome: Commercial property insurance may pay to replace the destroyed building and your office contents. If you have business interruption insurance as part of your policy, it may cover your lost income and overhead expenses while your business is temporarily closed until repairs are completed.

Frequently asked questions

Does landscaping insurance cover damages to a client’s property caused by landscaping mistakes or errors?

You need to include errors and omissions (E&O) insurance in your policy to cover claims of professional negligence, mistakes, errors, omissions, and failure to deliver a service as promised. Talk to a Zensurance broker if you have questions.

Does my landscaping insurance policy cover their work if I hire part-time or seasonal employees?

No. A landscaping insurance policy only covers your full-time employees up to its specified coverage limit. If you hire part-time or seasonal employees or subcontractors, they should have their own coverage.

My company only provides lawn care and basic lawn mowing services. Do I need a landscaping insurance policy?

Yes. Although cutting grass seems like a low-risk service, you could always face a third-party bodily injury or property damage claim or lawsuit. Without insurance, you must shoulder the cost of those claims, including your legal defence expenses, if you need to hire a lawyer.

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