General Liability
Help protect against covered third-party bodily injury and property damage claims.
Additional limits for larger liability claims
Commercial Umbrella Insurance for Landscapers
A serious accident can create costs beyond your primary liability limits. Explore an additional layer of coverage for your landscaping business with commercial umbrella insurance.
Your Business Is Growing.
Review How Far Your Protection Goes.
Working at customer properties, operating business vehicles, and managing a crew can expose your landscaping company to significant liability claims. Commercial umbrella insurance can provide additional limits above certain underlying policies when a covered loss exceeds the applicable primary coverage.
An additional layer of liability protection
What Is Commercial Umbrella Insurance?
Commercial umbrella insurance is designed to provide additional liability limits over specified underlying insurance policies. Those policies may include general liability, commercial auto liability, and employers’ liability, depending on the insurer and policy terms.
For example, a covered accident could result in damages that exceed the available limit of your primary policy. An umbrella may help with the covered amount above that limit, up to its own available limits and subject to its conditions.
Your umbrella must be coordinated with your underlying coverage. It does not automatically extend every policy, remove exclusions, or pay every amount above a primary insurance limit.
Explore Umbrella Coverage
Understand how the layers work together
Where Commercial Umbrella Coverage Can Apply
Depending on your policy, umbrella coverage may provide additional protection for:
- General liability claims: Certain covered third-party bodily injury or property damage claims that exceed the applicable underlying liability limit.
- Commercial auto liability: Qualifying claims involving covered business vehicle accidents, when auto liability is included as underlying insurance.
- Employers’ liability: Certain covered employer liability claims, where this coverage is included. This is different from statutory workers’ compensation benefits.
- Covered defense obligations: Defense coverage may apply as described in the umbrella policy. When it begins and whether costs reduce limits depend on the policy wording.
Umbrella coverage has its own limits and exclusions. Required underlying limits must be maintained, and specific exhaustion or retention provisions may apply.
Discuss Your Liability Limits
Coverage that reflects your exposure
Plan for Larger Projects and Higher Liability Demands
Maintaining busy commercial properties, operating several vehicles, or taking on larger contracts can change your liability exposure. Customers and property managers may also request insurance limits above those provided by your primary policies.
Share these requirements with your insurance professional before signing a contract. Review your current policies, requested limits, additional insured requirements, and any services such as tree work, excavation, pesticide application, or snow removal.
When requesting a quote, prepare your underlying policy details, revenue, payroll, vehicle information, service descriptions, and claims history. The goal is to select additional limits that work with your existing coverage and the risks your business faces.
Request Your QuoteBuild Your Landscaping Insurance Protection
Coordinate umbrella coverage with your liability policies and review separate protection for your people, property, and equipment.
Commercial Auto
Explore coverage for business vehicle liability and selected physical damage risks.
Workers’ Compensation
Support eligible employees after covered work-related injuries or illnesses.
Tools & Equipment
Review protection for mobile tools and machinery in storage, in transit, and at jobsites.
Commercial Property
Consider coverage for insured premises and business contents against covered losses.
Business Owner’s Policy
Explore a package combining liability, property, and business income coverage for eligible businesses.
Commercial Umbrella Insurance FAQs
Do landscaping businesses need commercial umbrella insurance?
The need depends on your liability exposure, available primary limits, and customer contracts. Businesses with commercial projects, vehicle fleets, or significant public interaction may want to review additional limits. A contract may also specify umbrella or excess liability requirements.
How does umbrella insurance work with my existing policies?
The umbrella identifies the underlying coverage it sits above and the limits you must maintain. For a qualifying loss, it may respond after the applicable underlying insurance has been exhausted in the manner required by the umbrella policy. Both policies’ terms need to be reviewed together.
Does an umbrella cover everything excluded by my primary policy?
No. Umbrella policies have their own exclusions and do not automatically fill coverage gaps. Some may provide broader coverage for particular exposures, potentially subject to a self-insured retention. Never assume an excluded activity is covered without reviewing the actual policy wording.
Does it cover damage to my own trucks, tools, or buildings?
Commercial umbrella is liability coverage. It generally does not pay to repair or replace your own property. Vehicle physical damage, commercial property, and tools and equipment insurance address different risks and require separate review.
Does umbrella insurance increase workers’ compensation benefits?
No. An umbrella does not increase statutory workers’ compensation benefits. It may provide additional limits over employers’ liability coverage when that coverage is included as underlying insurance, subject to the umbrella’s terms and exclusions.
How much commercial umbrella coverage should I consider?
Review your contracts, business assets, services, vehicle exposure, work locations, and potential claim severity. There is no single limit suitable for every landscaping company. Your insurance professional can help compare available limits alongside your existing coverage.
What affects the cost of commercial umbrella insurance?
Pricing depends on your operations, revenue, payroll, vehicles, claims history, underlying insurance, and requested umbrella limit. Specialized services and contract requirements can also affect eligibility and pricing.
Give Your Liability Protection
More Room to Respond.
Explore commercial umbrella options that work with your existing insurance and the landscaping business you are building.
Get a Commercial Umbrella Quote
Coverage is subject to policy terms, limits, exclusions,
underlying insurance requirements, eligibility, and
availability. Examples do not guarantee coverage
for a particular claim.