Workers’ Compensation
Support eligible employees after covered work-related injuries or illnesses.
A practical foundation for business protection
Business Owner’s Policy for Landscapers
Bring essential business coverages together. Explore a Business Owner’s Policy that combines liability, property, and business income protection for eligible landscaping businesses.
Strong Roots Start With
the Right Business Protection.
You have invested in your landscaping business, from the workspace you use to the reputation you build with every customer. A Business Owner’s Policy, or BOP, brings several important coverages into one package, helping eligible businesses prepare for common liability and property risks.
Essential coverages in one package
What Is a Business Owner’s Policy?
A Business Owner’s Policy typically combines general liability, commercial property, and business income coverage. It provides a starting point for eligible small businesses looking to coordinate these protections within one policy.
For a landscaping business, that could mean protection for certain third-party injury claims, covered damage to insured premises or contents, and qualifying income losses following covered property damage.
BOP eligibility depends on the insurer and your operations. Your services, business size, locations, and property exposures help determine whether this package is suitable.
Explore Your BOP Options
Understand the core protection
What a Business Owner’s Policy Can Include
A typical BOP brings together three core coverage areas:
- General liability: Helps protect against covered claims involving third-party bodily injury or property damage arising from your operations. Covered legal defense may also be included.
- Commercial property: Helps protect insured buildings and business contents against covered causes of loss, such as fire or certain theft losses, subject to policy terms.
- Business income and extra expense: Can help with qualifying lost income and necessary extra expenses when covered property damage causes a covered interruption to your operations.
Coverage depends on the policy purchased. Property locations, valuation, limits, deductibles, waiting periods, and restoration provisions require review. A slowdown in sales alone does not trigger business income coverage.
Discuss Your Coverage
Built around your business
A Foundation You Can Build On
A BOP does not cover every part of a landscaping operation. Workers’ compensation and commercial auto generally require separate policies. Portable mowers, tools, and equipment used away from your premises may need contractors equipment or inland marine coverage.
Describe every service you provide, including tree work, irrigation, hardscaping, pesticide application, and snow removal. Some activities may need special coverage, endorsements, or a different insurance package.
When requesting a quote, prepare your annual revenue, payroll, claims history, property values, and details of each business location. Include rented premises, storage arrangements, and customer insurance requirements so your provider can review the full picture.
Request Your QuoteExplore Additional Landscaping Coverage
Build on your BOP with coverage for risks that may need separate policies or specific endorsements.
Commercial Auto
Explore protection for covered accidents involving your business vehicles.
Tools & Equipment
Review protection for mobile tools and machinery in transit, in storage, and at jobsites.
Commercial Umbrella
Consider additional liability limits above qualifying underlying insurance policies.
Cyber Insurance
Ask about options for covered data breaches and other cyber risks affecting your business.
Pesticide Application
Discuss coverage for exposures related to herbicide, fertilizer, and pesticide treatments.
Business Owner’s Policy FAQs
Is a BOP suitable for every landscaping business?
No. Insurers set eligibility rules based on factors such as operations, revenue, property exposures, and business size. Specialized or higher-risk services may require a different package or separate policies. Provide a complete description of your work when requesting a quote.
What is the difference between a BOP and general liability?
General liability addresses certain third-party injury, property damage, and other covered liability claims. A BOP typically includes general liability alongside commercial property and business income coverage. The additional protections remain subject to their own limits, conditions, and exclusions.
Does a BOP include workers’ compensation or commercial auto?
Generally, no. Workers’ compensation and commercial auto typically require separate policies. Discuss your employees, business vehicles, and driving arrangements when reviewing your overall protection.
Are tools and equipment covered at customer properties?
Do not assume your BOP provides adequate coverage away from your premises. Off-premises property coverage may have restrictions or limited amounts. Mobile landscaping equipment may need contractors equipment or inland marine insurance for use, transit, and storage at different locations.
When does business income coverage apply?
It generally requires a covered interruption caused by covered physical loss or damage under the policy. Waiting periods, covered locations, restoration periods, and other conditions affect payment. Seasonal slowdowns, fewer bookings, or ordinary equipment maintenance do not automatically qualify.
Can I get a BOP if I rent my business premises?
Renting does not automatically prevent eligibility. Discuss business contents, tenant improvements, liability exposures, and lease insurance requirements. Your landlord’s building insurance generally does not replace coverage for your own business property and operations.
How much does a landscaping BOP cost?
Your quote depends on your services, location, revenue, insured property values, claims history, coverage limits, and deductibles. Optional endorsements also affect pricing. Compare the coverage provided as well as the premium.
Build Your Protection.
Keep Your Business Growing.
Explore whether a Business Owner’s Policy is the right foundation for your landscaping business.
Get a Business Owner’s Policy Quote
Coverage is subject to policy terms, limits, deductibles,
exclusions, eligibility, and availability. Examples do not
guarantee coverage for a particular claim.