Landscaping Insurance — covered, rain or shine.
Mowers throw rocks, equipment gets stolen, and HOAs demand certificates. We build landscaping coverage for crews of every size — liability, equipment, and the COIs your accounts require.
Coverage you probably need
General Liability
Covers property damage and injuries — like a rock thrown by a mower.
Tools & Equipment
Mowers, trimmers, and trailers against theft and damage on the move.
Commercial / Hired Auto
For trucks and trailers hauling crews and gear.
Workers Compensation
Required in most states once you have a crew.
Herbicide / Pesticide
Coverage tied to chemical application work, where you offer it.
What can go wrong
- A mower throws a rock and breaks a window or windshield.
- A crew member is injured on the job.
- A trailer full of equipment is stolen.
- A chemical application damages a lawn or garden.
What carriers usually ask
- Services (mowing, hardscape, tree work, chemical application, snow removal).
- Number of employees and equipment value.
- Whether you sub out any work.
- Annual revenue and accounts (residential vs. commercial/HOA).
Common contract wording
HOAs and property managers commonly require General Liability (often $1M/$2M), Additional Insured status, and sometimes Commercial Auto, with a COI before work begins.
State notes: Tree work and chemical application can affect eligibility and pricing, and these vary by state. We confirm what your accounts require.
Get covered for Landscaping Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentLandscaping Insurance FAQs
Is chemical application covered?
It can be, with the right endorsement. Tell us what you apply and we'll structure coverage.
Are my mowers and trailers covered if stolen?
Yes — add Tools & Equipment (inland marine) coverage for protection on the job and in transit.
Do you cover snow removal too?
Often yes, as a seasonal add-on. We can include it where available.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.