Landscaping Insurance

Seeing customers satisfied with their lush, green lawns and healthy, beautiful plants can be incredibly rewarding for landscaping business owners.

Of course, owning a landscaping company does come with certain risks. Lawn care businesses, arborists, tree removal companies, irrigation installers, and hardscaping companies carry a unique set of hazards to employees, customers, and even business property that may be alleviated through proper landscape insurance coverage.

If you own a landscaping business, your employees may face risks such as falls, trips, sprains, or repetitive stress injuries. Your customers could become injured by trip hazards like extension cords or yard debris. Your warehouse or greenhouse could be damaged due to fire or catastrophic weather.

Fortunately, when you carry the right types of landscaping insurance, your customers, employees, and small business property may be covered.


What type of work needs landscaping insurance?

  • Lawn maintenance professionals

  • Arborists

  • Hardscape professionals

  • Irrigation installers

  • Tree removal specialists

  • And more…

What are common types of landscaping insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect landscaping small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.

Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a landscaping small business.

Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a landscaping small business.

Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover landscaping small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the landscaping business provided.

General liability

General liability insurance is a type of policy that helps protect a landscaping small business against third-party claims that involve property damage, bodily injury, or advertising injury.

Professional liability

Professional liability insurance helps protect a landscaping small business against claims by third parties who believe they were harmed due to advice or services the business provided.

Small group health

Small business group health insurance may be provided by a landscaping small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

Specialized coverage

Additional specialized insurance policies—coverage types that are specific to the landscaping industry a small business operates within—may be built into a business owner’s policy or purchased separately.