Frequently Asked Questions
Answers to the most common questions about protecting your landscaping or hardscaping business with the right insurance coverage.
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Landscaping Insurance Cover
Landscaping insurance usually includes a combination of essential coverages such as general liability, commercial auto, equipment breakdown, and workers’ compensation. These policies protect your business from property damage, injuries to third parties, equipment theft or damage, and employee-related claims. Depending on your operations, additional coverage like inland marine or umbrella insurance may also be recommended. Having the right mix of protection ensures you can handle unexpected setbacks without interrupting your services.
Frequently Asked Questions About Landscaping Insurance
Landscaping insurance is a type of business coverage designed specifically for landscapers, hardscapers, and lawn care professionals. It protects your business from risks like property damage, third-party injuries, equipment loss, and employee accidents—ensuring you stay financially protected on every job site.
In California, landscapers often need a combination of general liability insurance, commercial auto coverage, workers’ compensation, equipment coverage, and sometimes inland marine or umbrella insurance. These policies work together to protect against legal claims, accidents, and job-related damages.
While not legally required, general liability insurance is strongly recommended. It helps protect your landscaping business from third-party claims involving property damage or bodily injury—common risks in this line of work.
Yes. In California, any business with one or more employees, including part-time or seasonal workers, is legally required to carry workers’ compensation insurance to cover medical expenses and lost wages from job-related injuries.
Yes, if you have equipment coverage or inland marine insurance as part of your policy. This protects your valuable tools and machinery whether they’re stored at your shop, job site, or in transit.
Absolutely. Even if you’re a solo operator, you can get customized landscaping insurance to cover yourself, your tools, and your liability. It’s a smart move to safeguard your income and reputation.
The cost varies based on your business size, services offered, claims history, and coverage needs. On average, California landscapers can expect to pay between $80 to $250/month for a standard policy bundle.
No, you’ll need commercial auto insurance to protect vehicles and trailers used for business purposes. General liability won’t cover vehicle-related accidents or damages.
If your projects involve larger contracts or higher risks, an umbrella policy offers extra liability coverage beyond the limits of your other policies. It’s a smart way to safeguard your business assets from costly lawsuits.
Getting a quote is simple. Just contact our team and we’ll help you build a tailored insurance plan that meets California’s legal requirements and your unique business needs. We make the process quick, transparent, and hassle-free.