Insurance for Landscaping & Lawn Mowing

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Simple, fast and easy; quality insurance at an affordable price

  • Your work is an art, so keep it protected

  • All-in-one service; get your insurance now

  • Give your clients the best yard, give yourself the best protection

Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


Essential coverage to operate as Landscaper

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily Injury
  • Damage to third party property
  • Business Personal Property
  • Personal Injury
  • Lost business income
  • Equipment Breakdown coverage


When you also have at least one employee

BOP + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related issues and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Inland Marine, Equipment Breakdown, Commercial Auto etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

As a landscaper, you need small business insurance to protect your assets. Every business should have general liability and commercial property policies. If you have employees, you also need worker’s comp. If employees use personal vehicles to travel to jobs, you need to have hired and non-owned auto liability as well.

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Frequently Asked Questions

Do I need Auto Insurance if I use my personal truck for Landscaping work?

Possibly. But you must inform the insurance provider of how you use the vehicle. Some personal auto insurance covers your vehicle for limited commercial use, and some personal policies won't cover your vehicle for commercial purposes at all. Remember that when you keep your personal auto policy and continue to use it for work, your rates may go up.

You can purchase Commercial Auto insurance to fill gaps in your personal auto policy. This insurance covers the vehicles you use for work and the company vehicles. If the vehicle is registered under the business's name, then you must carry Commercial Auto insurance.

Do my business insurance covers my subcontractors?

Subcontractors are businesses that are independent from your business. This means that they are not your employees, and they are not covered by your insurance. Some insurance policies will cover work done by subcontractors, but this is more often not possible.

How much does insurance for Landscaper cost?

The price can variy depending on years of experience, location, loss history and other factors. On average, the average yearly cost is $350 - $800 for General Liability.

Should I carry Workers Compensation as a Landscaper?

Landscapers are at risk of many accidents that could happen at work. Some business owners choose not take carry workers compensation for just themselves, but as soon as there is an employee on the staff, most states require it. This insurance covers employees should they become injured or ill at work.

Why do Landscaping and Lawn Mowing Services need insurance?

These establishments provide services like landscape installation, lawn care, spraying, maintenance, fertilizing services, mowing, the pruning of trees and shrubs, and other activities related to the care and maintenance of plants and garden.

Many individuals get the help of landscaping service companies to achieve a beautiful outside view of their home or business. Professional landscaping services assist with lawn care and arborist techniques that make an area welcoming to others. Since you understand the value of caring for your property, buying small business insurance should be at the top of your priorities.

What risks could Landscaping Services face?

The right lawn care insurance or arborist insurance protects you from the risks you face most, including:

  • Stolen Materials: Equipment and tools are necessary to create an outdoor masterpiece. If equipment or tools are stolen from your location or vehicle, it can be costly to replace them with the same quality pieces.
  • Broken Equipment: You rely on mowers, trimmers, and saws to complete your work efficiently. If one of your most used pieces breaks, it can be costly to fix or replace. It can be even more costly if you can’t provide services in the time frame you promised because of the breakdown.
  • Property Damage: If you or an employee remove the wrong tree or drive a mower into a fence, the customer can file a lawsuit for damages.
  • Vehicle Accidents: Whether you have a business vehicle or use a personal vehicle for business services, you are at risk for financial loss.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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