Coverage
Landscaping & lawn care insurance coverages
A landscaping operation does not carry one policy — it carries a stack of coverage lines, each answering for a different way the work can go wrong, from a rock thrown by a mower to a misapplied chemical to a stolen trailer of equipment. Here are the 6 we write for design/build, lawn maintenance, irrigation, and lighting operations.
The coverage a landscaping or lawn care operator needs is driven by the work: a mower throwing debris through a window, a struck underground line on an irrigation job, damage to a customer’s hardscape on a build, a six-figure run of equipment riding the trailers, and a crew exposed to heat, lifting, and powered blades all day. No single policy answers for all of it. Two exposures in particular sit in the gaps a standard policy leaves — the chemical-application pollution exposure of a misapplied or drifting herbicide, pesticide, or fertilizer on the lawn-care side, and the equipment-as-asset contractors equipment (inland marine) exposure that auto and property policies leave open. How heavily each line is weighted depends on whether you run design and build, lawn maintenance, irrigation, or lighting work. The services overview explains how the four operating models change the emphasis.
General Liability Insurance
Third-party bodily injury and property damage coverage for landscaping and lawn care operators — a rock thrown from a mower, a struck underground utility, damage to a customer's hardscape, irrigation, or structure, and the public-facing exposures of a crew working on-site.
See the coverage →Commercial Auto Insurance
Coverage for the trucks and trailers a landscaping or lawn care operation drives and tows every day — the daily-stop accident exposure, the towed equipment trailer, and the gear in transit between job sites.
See the coverage →Workers Compensation Insurance
Medical and lost-wage coverage for landscaping and lawn care crews — with honest handling of the four monopolistic state-fund states and the equipment, lifting, heat, and route-driving injury profile of field crews.
See the coverage →Contractors Equipment Insurance
Inland-marine coverage for the mowers, skid steers, trailers, blowers, trimmers, irrigation and lighting tools, and high-value equipment that are a landscaping operation's biggest asset — protected at the shop, in transit, and on the job site, where auto and property policies leave gaps. A signature-adjacent line for this industry.
See the coverage →Pollution Liability Insurance
Coverage for the chemical exposures general liability flatly excludes — herbicide, pesticide, and fertilizer drift or misapplication onto a customer's or neighbor's lawn or ornamentals, overspray, and runoff. A signature applicator/chemical-application exposure for the lawn care side of the business.
See the coverage →Umbrella Liability Insurance
Excess limits above general liability and commercial auto for larger landscaping and lawn care operations and the higher limits commercial properties, HOAs, and municipal contracts often require.
See the coverage →Build the stack to your operation
Coverage is only right when it is weighted to how you actually work. Start a quote and tell us about your routes and job sites, see how the lines differ by model under Landscaping Insurance, Lawn Care Insurance, Lawn Irrigation Installation Insurance, and Landscape Lighting Insurance, or browse the states we serve on the locations index.
Primary sources
Get the right coverage stack for your landscaping operation
Tell us whether you run design/build, lawn maintenance, irrigation, lighting, or a mix — and we will market it to carriers that write the class.