Protection for your business on the road

Commercial Auto Insurance for Landscapers

Your vehicles connect your crew, equipment, and customers. Explore coverage for the pickups, work trucks, and vans that keep your landscaping business moving.

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Your Work Starts Before
You Reach the Jobsite.

Driving between properties, collecting materials, and transporting your crew are part of a normal landscaping workday. An accident on the road can bring liability claims, vehicle repair costs, and unexpected disruption. Commercial auto insurance helps you prepare for covered vehicle-related losses.

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Coverage for business vehicle use

What Is Commercial Auto Insurance?

Commercial auto insurance provides coverage for vehicles used in your business, based on the vehicles, drivers, uses, and coverage options included in your policy. Auto liability coverage can help when your business is legally responsible for covered injuries or property damage resulting from a vehicle accident.

You can also discuss physical damage coverage for your insured vehicles. Whether you operate one pickup or several service trucks, your policy should reflect how those vehicles are owned, driven, stored, and used.

Get a Quote

Understand your coverage options

What Commercial Auto Can Help Cover

Depending on your policy and the options selected, coverage may include:

Auto liability: Covered bodily injury or property damage claims when an insured is legally responsible for an accident.
Collision coverage: Covered damage to an insured vehicle from a collision with another vehicle or object, subject to a deductible.
Comprehensive coverage: Covered non-collision losses, such as theft, fire, vandalism, or hail, subject to policy terms.
Uninsured or underinsured motorist coverage: Protection for qualifying losses involving drivers with insufficient or no insurance, where available or required.
Medical payments or personal injury protection: Benefits for eligible accident-related expenses, depending on state rules and selected coverage.

Coverages are not automatically included in every policy. Availability, limits, deductibles, and exclusions vary. Ask separately about roadside assistance and rental reimbursement options.

Discuss Your Coverage

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Built around your daily operations

Coverage for the Way Your Business Travels

Tell your insurance professional about every vehicle used for your landscaping operations, including pickups, vans, dump trucks, and trailers. Explain who drives, how far they travel, what they transport, and whether vehicles are used for towing or seasonal services.

If employees use personal vehicles for business errands or you rent vehicles for work, ask about hired and non-owned auto liability. These coverages address specific liability exposures and do not automatically pay for damage to the borrowed, rented, or employee-owned vehicle.

Prepare vehicle identification numbers, driver details, operating locations, estimated mileage, and claims history when requesting a quote. Review your policy whenever you add a vehicle, driver, trailer, or new business activity.

Request Your Quote

Explore Other Landscaping Insurance

Your vehicles are one part of your business. Consider protection for your crew, equipment, property, and everyday liability risks.

General Liability

Help protect against covered third-party bodily injury and property damage claims arising from your operations.

Workers’ Compensation

Support eligible employees after covered work-related injuries or illnesses.

Tools & Equipment

Review coverage for mowers, tools, and machinery in storage, in transit, and at jobsites.

Commercial Property

Explore protection for covered damage to your business premises and contents.

Commercial Umbrella

Consider additional liability limits above qualifying underlying policies, which may include commercial auto.

Business Income

Help replace lost income when qualifying covered property damage interrupts operations. Vehicle downtime requires a separate review.

Commercial Auto Insurance FAQs

Does my landscaping business need commercial auto insurance?

Business-owned vehicles generally need coverage appropriate for commercial use. Requirements also depend on your state, vehicle type, ownership, and operations. Discuss transporting equipment, towing trailers, employee drivers, and travel between jobsites with your insurance professional.

Will personal auto insurance cover my work truck?

Do not assume a personal policy covers your landscaping activities. Some personal policies allow limited business use, while others restrict particular vehicles or operations. Explain exactly how you use the vehicle and ask your insurer to confirm the appropriate coverage.

Are tools and equipment inside my vehicle covered?

Commercial auto coverage generally does not replace separate protection for portable business tools and equipment. Ask about contractors equipment or inland marine insurance for mowers, trimmers, and other items transported in your truck or trailer. Permanently attached equipment also needs review.

Does commercial auto insurance cover my trailer?

Trailer coverage depends on the policy, trailer, and how it is used. Liability and physical damage coverage may be treated differently. Provide the trailer’s identification details, value, and use, and ask whether it must be specifically listed. Its contents may require separate equipment coverage.

What if an employee uses a personal vehicle for work?

Ask about non-owned auto liability for your business. It may help address certain liability claims arising from employees using personal vehicles on business errands. It does not replace the employee’s personal auto policy or automatically cover damage to their vehicle.

How much does commercial auto insurance cost?

Pricing depends on your vehicles, drivers, location, driving records, claims history, business use, travel radius, and selected coverage. Vehicle values, liability limits, and physical damage deductibles also influence your quote.

Does the policy pay for breakdowns or lost business income?

Routine maintenance, wear and tear, and mechanical breakdown are generally excluded from standard auto physical damage coverage. Lost business income is not automatically included. Ask about available rental reimbursement, roadside assistance, and any options relevant to vehicle downtime.

Protect Your Vehicles.
Keep Your Business Moving.

Explore commercial auto coverage that reflects your landscaping vehicles, drivers, and daily operations.

Get a Commercial Auto Quote

Coverage is subject to policy terms, limits, deductibles, exclusions, eligibility, availability, and applicable state requirements. Examples do not guarantee coverage for a particular claim.