Landscaper Insurance Designed for Lawn & Landscape
Professionals
Landscaper insurance provides essential protection for businesses of all sizes—from solo operators to multi‑crew companies.
With sharp
tools, heavy machinery, and unpredictable job sites, landscapers face unique
risks. This coverage helps safeguard your business from accidents, property
damage, and unexpected claims.
Landscaping Liability Insurance for Everyday Job Risks
Landscaping liability insurance protects you from third‑party injuries, property damage, and equipment‑related incidents.
Many homeowners, HOAs, and commercial clients require proof of liability insurance before hiring a landscaper, making this coverage essential for staying competitive and professional.
Coverage Options for Landscaping Insurance Businesses
We offer the core policies most housekeepers need to stay protected and meet client requirements:
General Liability (GL) – Protects against third‑party injuries and property damage that occur during your work.
Business Owner’s Policy (BOP) – Combines general liability with property coverage for equipment, supplies, and business contents.
Workers’ Compensation (WC) – Required in most states if you have employees; helps cover medical costs and lost wages after a workplace injury.
Business Equipment Protection (Inland Marine) – Covers tools and equipment while in transit or on job sites, protecting against theft, loss, or damage.
How the process works in three easy steps
1
Complete the App
Complete the 60‑second application
2
Secure your policy
We offer the lowest rate available
3
Flexible options for any business
Choose coverage that fits your business, same day certificates (COI).
Why Choose Us?
Specialized coverage tailored to your business
Trusted by businesses and organizations
Fast, simple, stress‑free policies
- Flexible options for every type of business
- Fast Insurance for AZ Small Businesses
Top questions answered
Our most common questions answered efficiently.
A Business Owner’s Policy (BOP) is highly recommended for landscapers because it combines general liability with property coverage. If you store equipment, maintain supplies, or operate from a shop or yard, a BOP provides broader protection than liability alone.
It covers third‑party injuries, property damage, equipment‑related accidents, and other risks that occur while performing landscaping or lawn‑care services.
Costs vary based on your services, number of employees, equipment value, and coverage limits. Solo landscapers typically pay less, while multi‑crew operations may pay more due to increased exposure.
Many clients—especially HOAs, commercial properties, and property managers—require proof of insurance before work begins. Even when not required, insurance protects your business from costly claims.
