General Liability
Help protect against covered third-party bodily injury and property damage claims.
Landscape Business Insurance
Your Work Creates Beautiful Spaces. Give Your Business Stronger Protection.
Explore coverage for your people, equipment, vehicles, and everyday operations.
Your People
Your Equipment
Your Operations
Coverage That Starts With Your Business
At Landscape Business Insurance, your services, workforce, equipment, and contract requirements help shape the insurance conversation.
Explore Your Insurance Options
Workers’ Compensation
Benefits for eligible employees after covered work-related injuries or illnesses. Requirements vary by state.
Commercial Property
Explore protection for covered losses involving insured business premises and contents.
Tools & Equipment
Review protection for tools and machinery in storage, during transport, and at jobsites.
Commercial Auto
Consider protection for covered accidents involving insured vehicles used for your business.
Business Income
Help replace lost income after qualifying interruptions caused by covered property damage.
Commercial Umbrella
Explore additional liability limits above specified underlying policies.
Pesticide Application
Ask about protection for exposures associated with herbicide and pesticide treatments.
Snow Removal
Review coverage for seasonal snowplow operations and snow removal activities.
Build a Foundation With a Business Owner’s Policy
A Business Owner’s Policy, or BOP, typically combines important protections for eligible businesses.
- General liability — For covered third-party injury and property damage claims.
- Commercial property — For covered damage to insured premises and contents.
- Business income — For qualifying interruptions caused by covered property damage.
Workers’ compensation, commercial auto, and other specialist protection generally require separate coverage. Eligibility and policy terms vary.
Different Services. Different Coverage Needs.
Tell Landscape Business Insurance about every part of your operations.
Lawn Care
Garden Maintenance
Landscape Installation
Tree Services
Irrigation
Landscape Design
Pesticide Application
Snow Removal
Include occasional and seasonal work. Coverage availability and eligibility vary by insurer and activity.
Understand Your Protection Before You Need It
Coverage Limits
How much can the policy pay for a covered claim?
Deductibles
What amount are you responsible for paying?
Exclusions
Which activities and losses fall outside coverage?
Property & Locations
Where are your tools, premises, and equipment insured?
Contract Requirements
What limits and endorsements does your customer require?
What Influences Your Insurance Cost?
Your quote reflects your business and the protection requested. Share accurate information to explore relevant options.
Location & Services
Your service area and the types of work you perform.
Employee Roles & Payroll
Your workforce, job responsibilities, and payroll.
Vehicles & Use
The vehicles you operate and how you use them.
Equipment Values
The types and values of tools and machinery you insure.
Claims History
Your business’s previous insurance claims experience.
Limits & Deductibles
The coverage limits and deductibles you choose.
Proof of Coverage for Your Next Project
Ask your provider about a certificate of insurance and any required endorsements. A certificate provides evidence of coverage and does not change your policy.
Insurance Questions, Answered
What insurance does a landscaping business need?
Your needs depend on your services, employees, property, vehicles, and contracts. Common options include general liability, workers’ compensation, commercial auto, property, and equipment coverage.
Does general liability cover employee injuries?
General liability generally addresses covered claims involving third parties. Work-related employee injuries typically fall under workers’ compensation, subject to applicable law and policy terms.
Is equipment covered at a customer’s site?
Check your policy’s covered locations and conditions. Tools and machinery used away from your premises may require contractors equipment or inland marine coverage.
Are tree removal and pesticide application covered?
Do not assume they are included. Disclose these activities and confirm whether your insurer covers them, including any restrictions or required endorsements.
Should I review insurance as my business grows?
Yes. New services, employees, vehicles, equipment, and larger contracts can change your coverage needs.
How do I obtain a certificate of insurance?
Contact your insurance provider to request a certificate for an active policy. Share your customer’s requirements and ask whether additional endorsements are needed.
Protect the Business You’ve Worked Hard to Build.
Talk to Landscape Business Insurance about your operations and explore protection that reflects the work you do.
Coverage descriptions are general and do not guarantee protection for a particular claim. Coverage is subject to policy terms, limits, exclusions, eligibility, and availability.