Insurance for Landscaping Businesses

Maintenance and specialist work are different

Mowing, routine maintenance and landscape installation should be described accurately. Disclose tree work, chemical application or other specialist activities rather than assuming they fit a basic lawn-care description. Insurance does not establish permission to perform regulated work.

Follow equipment from storage to the property

Mowers, handheld tools and trailers may spend much of the day away from a fixed address. Ask how equipment is treated in transit, at job sites and overnight. Vehicle accidents and employee injuries should be considered separately from damage to a customer’s property.

Coverage to consider

General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.

Commercial auto: Business driving should reflect vehicle ownership, drivers and use. Do not assume a personal policy or premises policy addresses every business trip.

Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.

Related business guidance

• Contractors
• Handymen
• Cleaning Businesses

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