Landscapers & Lawn Care insurance · Nationwide
Coverage that grows with your crew, mowers, and client list
A rock thrown from a mower, a drifting herbicide application, or a crew working through a heat wave: landscaping risk looks different from other trades. We connect you with specialists who price it that way.
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Open the Compass →Where landscapers get exposed
These are the scenarios our specialists see most often in your industry.
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Coverage landscapers carry
Landscaping changes the ground itself, so the mistakes stay. A retaining wall that leans, a grade that sends water at a foundation, and a tree that comes down the wrong way are all claims that outlive the crew that caused them.
General Liability
Third-party injury and property damage. Struck utilities, drainage sent the wrong way, and damage to structures and hardscape.
Design and grading claims are what separate this from mowing: water routed at a foundation is a structural argument, and it lands under completed operations.
Workers' Compensation
Medical bills and lost wages for falls, chainsaw and blade injuries, and heat illness on summer installs.
Grounds maintenance carries one of the higher fatality rates in outdoor work. Tree and chainsaw work is rated harder than planting, so classify crews accurately.
Commercial Auto
Trucks, dumps, and trailers carrying plant material, stone, and machines: liability, collision, and hired or non-owned autos.
Hauling stone and skid steers is heavier work than a mowing route. Overloaded trailers are a common cause of loss and a common reason a claim gets questioned.
Tools & Equipment
Skid steers, chainsaws, augers, and hardscape tools stolen from a site or damaged in transit.
Installs run for days, so machines stay on site overnight. Rented mini-excavators and plate compactors usually need naming rather than blanket cover.
Commercial Umbrella
Extra limits above general liability and auto when tree work or structural hardscape is involved.
A dropped limb or a failed retaining wall can exceed $1M without much trouble. Commercial and HOA contracts often specify the higher limit anyway.
Commercial Property
Your yard, nursery stock, hardscape materials, and shop equipment against fire, theft, and storms.
Living stock is the unusual item here: plant material dies in a power cut or a freeze, and standard property wording does not always follow it.
FAQFrequently Asked Questions
Yes: a rock or stick thrown from a mower deck cracking a window or denting a car is one of the most frequent landscaping liability claims. General liability covers the third-party property damage.
General liability typically covers drift-related property damage claims, but your state may separately require a pesticide applicator license to apply chemicals commercially at all. We'll help you understand both.
That's a completed-operations claim, covered under general liability: it responds to a settling wall or a leaking line that surfaces weeks or months after the work is done.
Standard property policies often exclude equipment away from a fixed location. Inland marine covers mowers, trimmers, and other gear while it's on a trailer, at a job site, or in storage.