Landscaping Insurance for Small Businesses

Landscaping insurance

Landscaping Business Insurance Through Every Season

We know how hard you work, and we know the risks you face. Get the landscaping business insurance coverage that understands your needs – and always has your back.
 
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insurance for small business owners

What Type of Insurance Do Landscapers Need?

Most states require business insurance like general liability, commercial property and workers’ compensation coverage.
 
Learn more about each one:
 
This video explains why you need Small Business Insurance.
Landscaping businesses may also need other types of business insurance, like:
 
  • Inland marine coverage for help protecting specialized property, like solar energy equipment or cell phone towers.
  • Umbrella coverage, which gives you extra coverage to help pay for costs that exceed certain liability policy limits.
  • Commercial auto insurance to protect your business by helping to cover the cost of an auto accident if you or your employee is at fault.
  • Herbicide and pesticide application coverage to help pay for costs associated with the sudden or accidental release of chemicals.
  • Contractors equipment coverage to help pay for damaged or missing contractor equipment.
  • Snowplow operations insurance, which helps cover your business from claims of property damage and bodily injury arising out of your snowplow operations.
tree service insurance

What’s the Best Insurance My Landscaping Business Can Get?

It’s important to know what insurance products you need. Most landscaping businesses have a Business Owner’s Policy (BOP). By combining three general insurance coverages, a BOP provides great protection for small businesses and can also help save you money.
 
  • General liability insurance helps protect landscaping businesses from certain lawsuits due to injuries or property damage.
  • Commercial property insurance helps protect your place of business and the things you use to run it.
  • Business income insurance helps cover the loss of income if your business has to close because of covered property damage.
And if you run your landscaping business from home, you’ll want home based business insurance.
tree insurance

Stay Better Protected With Insurance for Landscaping Businesses

You work hard to give your customers exactly what they want. We work hard to keep you protected so you can do it without worrying. We customize our business insurance solutions by industry, and our landscaping insurance was made especially for small business owners like you. We can help walk you through any coverage limitations and the details of each policy. So, whether you’re cleaning up leaves in a customer’s lawn or driving to deliver a load of mulch to a local business, we’ve got you covered.

How Much Does Landscaping Insurance Cost?

There is not one price that businesses pay for landscaping insurance. There are many factors that determine your exact cost, such as:
 
  • The size of your lawn-care business
  • If you offer tree removal
  • How many employees work for you
  • If you keep customers information stored in a data system
  • If you have trucks or vehicles that tow equipment
We’re an insurance company that offers lawn care insurance made to protect your business without breaking the bank. We’ll work with you to figure out what coverages you need and help you get a business insurance quote.

Taking Care of Your Landscaping Team

Whether it’s carrying heavy bags or trimming heavy tree branches, landscaping businesses have accidents on a regular basis. Protect your business and your people with landscaping insurance.
Over 6,000 people a year are seriously injured in lawnmower accidents.1
arborist insurance

Injuries

“One of my guys was putting in some flowers for a new development. Halfway through, his back went out on him. Turns out he had a disc slip and needed surgery.”
 
Workers’ comp is required by most states to help small business owners provide important benefits to employees for work-related injuries or illnesses.
tree trimming insurance

Sickness

“I switched our bug killer to a new one on the market with great reviews. We used it on two different yards, but within a week, the homeowners both ended up sick. Turns out it was caused by a chemical in our new pesticide.”
 
Herbicide and pesticide coverage can help protect your landscaping business if your customers get sick because of the chemicals they’re exposed to.

Covering Your Landscaping Operations

You’ve worked hard to build your business. Having the right small business insurance can help make sure it’s protected.
4 out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years.2
landscaping insurance cost

Property Damage

“I built a storage shed in my backyard to keep all my equipment in during the winter. One night, I woke to the fire alarms and when I saw the flames outside, I knew everything was destroyed.”
 
A Business Owner’s Policy can help when disaster strikes. If your business can’t operate because of a fire, natural disaster or even theft, landscaping business insurance can help get you back up and running.
how much is lawn care insurance

Power Outage

“We were putting in some new trees for a hotel and one of my guys ended up cutting a wire he thought was a root, causing the store next door to lose power. It took three days to get it back up and running. Without power, they couldn’t work and they filed a claim for lost profits.”
 
Electronic data liability pays to replace or restore your electronic data that has been destroyed, corrupted or made inaccessible by a covered loss.

Protecting Your Landscaping Property

You pay a lot for quality products and time-saving tools to help your landscaping business succeed. We’re here to help make sure they’re all protected.
Nationally, the average annual loss to businesses from equipment theft is $400 million.3
insurance for mowing business

Theft

“One morning I came out to my van window smashed in. Someone broke in during the night and took all they could carry. Over $4,000 worth of tools and equipment … gone.”
 
Commercial property insurance helps protect your equipment. And since theft is considered a covered claim with us, you’ll know we’ve got your expensive tools covered if someone steals them on your property.
landscaping liability insurance

Plow Accident

“My plow team did a job for our local mall. It was a big parking lot, and they accidentally missed an area. A customer slipped on the melted snow and had to go to the hospital because of her injury.”
 
Snowplow operations can help pay for injury-related or property damage expenses resulting from operating your snowplows.
Lawn care business insurance

Here for You, 24/7

Don’t be left waiting when a job comes your way. Get your certificate of insurance through our online system instantly.

Landscaping Insurance You’ll Love

Your clients rely on your skills and expertise to give them outdoor living spaces they love. But we also know that lots of hard work goes into making their dreams a reality. You lift heavy loads, deal with dangerous equipment and handle harmful chemicals. Your job comes with risks – and our landscaping business insurance is here to cover them.
 
With us, small businesses know they have a partner that’s behind them every step of the way. Speak with one of our insurance agents to see how we can help protect you. Learn how to start a landscaping business.
 
Discover similar professions and businesses we insure:
 
tree removal insurance

Landscaping Insurance That Has Your Back

You have so much to keep track of and take care of – from expensive equipment to trucks and trailers and all types of tools. And, if you have employees, you have to look out for them, too. Having the right landscaping insurance can assure everything you have is protected – from the tools you use to the team you employ.
 
Get the protection you need to help keep your small business running successfully.
 
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For Larger Firms

Larger landscaping & arborist firms typically require specialized insurance coverage.
Learn About Insurance Needs
 
 
Last Updated: December 29, 2022
 
1 Johns Hopkins University, Incidence, Distribution, and Cost of Lawn-Mower Injuries in the United States, 2006-2013
 
2 Insurance Journal, 10 Most Common and Costliest Small Business Claims, Published 2015
 
3 National Insurance Crime Bureau, 2015 Theft Report
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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