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What is landscaping insurance?

Landscaping insurance is an assortment of coverages designed for professional landscapers – businesses and contractors specializing in designing, building and maintaining outdoor spaces as well as installing outdoor features like patios and gazebos for commercial and residential properties.

As a landscaper, you know how many things can go wrong – and how costly they can be. Whether it's an injury on a job site, damage to a client's property or theft of your expensive equipment, the right business insurance ensures you're not paying out-of-pocket for costly claims. It provides financial security, giving you peace of mind to focus on growing your business.

Here are some professions that could benefit from landscaping insurance:

• Landscapers
• Gardeners, arborists and groundkeepers
• Irrigation and field technicians

What landscaping insurance includes

Landscaping insurance would usually cover you in the following areas:

• Commercial general liability (CGL): Also known as ‘slip-and-fall’ coverage, this is the foundation of your policy. It protects your business if you are found legally liable for bodily injury or property damage to a third party. For example, if a client trips over your equipment and gets hurt, or you accidentally damage their sprinkler system, general liability covers the costs.
• Tools and equipment: This coverage protects your equipment, from lawnmowers to leaf blowers, against loss, damage or theft, whether they are on a job site, in transit or at your place of business.

Recommended add-ons for landscaping insurance coverage

There are numerous other protections you might want to add to your insurance policy, including these:

• Commercial property: This covers repair or replacement costs if your office or storage space, including its contents, is damaged or lost due to fire, flood, theft, or vandalism. Think of this as home insurance tailored for your workspace (even if it’s part of your already insured home).
• Commercial auto: If you use vehicles for your business, a personal auto policy won't cover you. Commercial auto insurance is necessary to protect your work trucks and trailers from accidents and liability.
• Pollution liability: This is essential if you use pesticides, herbicides or fertilizers. It covers costs related to bodily injury, property damage, or environmental cleanup caused by a pollution event.

Common types of landscaping insurance claims

Here are some examples of the kinds of claims landscapers like you tend to file:

• Bodily injury: A passerby trips over a hose you’ve laid out and gets injured. Your commercial liability coverage would pay for any potential legal ramifications of the incident.
• Equipment theft: Expensive mowers and trimmers are stolen from a work truck overnight. Your equipment and tools coverage would pay for their replacement whether at a job site or in transit.
• Vehicle accident: Your truck is involved in a collision while transporting equipment to a job site. That’s where commercial auto comes in handy covering both, liability and repair costs.

How much does landscaping insurance cost?

There’s no flat rate that we can quote when it comes to landscaping insurance, given how customizable your coverage can be. Depending on the size of your business and several other factors, packages for landscapers start at around $500 per year, or about $40 per month (these basic packages usually include commercial liability alone).

Some of the factors that may impact your insurance premium include:

• Type of coverage: Basic policies with standard coverage will cost less than comprehensive policies with multiple add-ons.
• Business revenue and size: Your anticipated income for the year ahead as well as the scale of your operations and number of employees all play a role in determining your premiums. The more you earn and the bigger your business, the more you’ll end up paying in premiums.
• Coverage amount: The higher the coverage limits, the more expensive the policy.
• Experience level: Experienced landscapers are less likely to make mistakes that lead to claims, which can result in lower premiums, similar to how older drivers with more experience on the road are less likely to get into accidents than younger drivers. The more experienced you are in your trade, the less you’re likely to pay for your insurance.
• Claims history: If you have recently filed a claim, then there is a high chance that you’ll file another one in the future. Insurers take this into account and adjust their premiums accordingly. As you might expect, more claims in the past equal to higher premiums in the future.

How to get the cheapest landscaping insurance rates

Finding affordable landscaping insurance doesn’t mean you have to compromise on coverage. Here are some tips to get the best rates:

• Shop around: Don't settle for the first offer. Shopping around and comparing quotes from multiple insurers is the most effective way to ensure you're getting the best possible rate for your coverage.
• Bundle policies: Purchase multiple insurance products, like commercial general liability and commercial auto, from the same provider to qualify for discounts.
• Choose a higher deductible: Opting for a higher deductible can lower your monthly premium, but make sure you can afford to pay it in the event of a claim.
• Maintain a good record: A track record of safety demonstrates to insurers that you are a low-risk client.