Insurance for Landscaping & Lawn Mowing
Get business insurance with optimized coverage to meet your exact needs
Leave your email so that your quotes will be sent directly to your inbox.
We won't spam you, we hate it too.
Prefer to speak with a CoverWallet consultant? Call (646) 844 -9933 anytime.
Coverage Plans for All Your Needs
Essential coverages to meet client demands
General Liability (GL)Instant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
We've Got You Covered with Coverage You Need
As a landscaper, you need small business insurance to protect your assets. Every business needs 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.
Pays the costs to replace or repair property you break while performing landscaping services. It also pays medical expenses if somebody (excluding employees) is injured as a result of your services.
Pays for new business property when equipment is stolen from your commercial building or job site. It also covers property damaged by fires, explosions and other covered events. Business Interruption insurance can also continue to pay fixed expenses when you close temporarily for repairs.
Protects you when you are at fault for a vehicle accident. It pays to fix your vehicle as well as any damage to a third-party’s property or bodily injury. This includes accidents on the road and if you back a truck into a fence at the location.
Workers' Compensation provides wage replacement and wage benefits to landscapers who are sick or injured on the job. If they are unable to work, they are provided with wage compensation and rehabilitation benefits. This, in turn, waives their right to use your business.
The policy pays the costs that arise when equipment breaks including repairs, a temporary or permanent replacement, and loss of business income.
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 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.
Are my subcontractors covered by my insurance?
Subcontractors are businesses that are independent of your business. This means that they are not your employees, and they are not covered by your insurance.
How much does landscaping insurance cost?
The price varies from your years of experience in the business, loss history and other factors. On average, the average yearly cost is $600.
Should I carry Workers Compensation as a Landscaper?
Landscapers are at risk of many accidents that could happen at work. They can cause property damage or get injured which could lead to financial loss and your business getting sued. This is why you need to carry Workers' Compensation as it 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, 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.
We are making headlines!
The Power Behind CoverWallet
Algorithms, Science, Magic!
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
Customized, Intelligent Application
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
State of the Art Technology
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.