Landscaping Insurance

Landscaping Insurance

Whether you run a large landscaping company or you are an independent contractor, it’s critical to protect your business with insurance.

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Zensurance - Landscaper
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Insurance for Landscapers

Canadian landscapers embrace the unique challenge of providing exceptional outdoor design and maintenance work throughout all four seasons. Since landscaping requires a strenuous combination of physical labor and heavy equipment usage, it is vital to have insurance coverage specifically designed for the risks you encounter.

At Zensurance, our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate the basics of getting insurance for your landscaping business.

What is Landscaping Insurance?

Landscaping Insurance is a policy package designed to provide financial coverage for common lawsuit claims against landscapers, such as third-party injuries and property damage.

Different factors, such as specialization, location, and additional services (e.g., snow removal and irrigation), are considered when finding the perfect coverage for your business.

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What does it cover?

  • Commercial General Liability Insurance (CGL): CGL protects landscapers against claims alleging third-party injuries (e.g., slip and fall) or property damage (e.g., a tear in your client’s lawn) as a result of your business activities. Regardless of the lawsuit outcome, CGL may cover the legal fees and medical expenses.
    • Important note: your policy coverage limit may only apply to all full-time employees, not each individual. If you require the same amount of coverage for each employee, consider increasing your policy coverage limit.
  • Equipment and Tools Insurance protects landscapers’ most important assets, providing financial reimbursement for repair or replacement costs due to damaged, lost, or stolen equipment/tools. Anything valued at less than $1,500 is considered a tool, whereas anything above is considered equipment.
  • Pollution Liability Insurance protects you against liabilities resulting from environmental hazards like contamination, bodily injury (e.g., respiratory infection), or property damages (e.g., mould infestation) caused by pollution. As landscaping commonly involves pesticides and fertilizers, pollution liability can provide the necessary coverage that most CGL policies exclude.

Do landscapers need insurance?

Regardless of the landscape services you offer (residential or commercial), the risks are worrisome, especially in locations prone to harsher weather elements. Insurance coverage can provide financial protection should you or your employees be named in a lawsuit.

Additionally, landscape projects can amount to large contracts, and most property owners will be expecting their contractors to be adequately insured. Having insurance may give you a leg up on the competition up for hire.

We’ve insured more than 1,000 landscapers. Some of their services we protect include:

  • Decks/Fence/Patio Installation
  • Garden services
  • Landscape Design/Architect
  • Lawn Care/Lawn Mowing
  • Masonry
  • Snow Removal

How much does it cost?

The cost to insure a landscaping business typically starts at $500 for a Commercial General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining the cost of your insurance policy package, including:

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

We’ve partnered with Canada’s leading insurance providers to offer you the most exclusive rates on your Landscaping Insurance policy package.

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Common claims scenarios

Frequently asked questions

Does my insurance policy cover sub-contractors?

Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage extensions for subcontractors can be added to your existing policy if needed.

For subcontractors, it is recommended you purchase your own liability insurance to protect yourself across multiple work sites.

Other contractor trades we can provide coverage for:

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If you need more information or prefer to speak with a broker directly, our friendly team can always help guide you through the process.

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