Landscaping & lawn care insurance services

A landscaping company does not run one kind of job. Some crews design and build — hardscape, planting, grading, and installation. Some run recurring maintenance routes — mowing, fertilization, weed and turf-pest control, and aeration. Some install and repair irrigation systems, trenching to set the lines. Some install low-voltage landscape lighting. Those are four different operating models, and the way each one can go wrong is different — which means the insurance is structured differently for each. This page frames the four models, the signature exposure that leads each one, and the coverage stack that responds.

The short version: a landscape design/build operation worries most about property damage and the equipment fleet — a struck structure on a build, a wrong grade, the mowers and skid steers that are the operation’s biggest asset. A lawn care maintenance operation worries about the chemical it applies — herbicide, pesticide, or fertilizer that drifts or is misapplied onto a customer’s or neighbor’s turf and ornamentals, an applicator pollution exposure that general liability flatly excludes. A lawn irrigation install operation worries about the underground-utility strike — a gas, water, electric, or fiber line hit while trenching. A landscape lighting operation worries about the low-voltage electrical-install defect that is distinct from the rest of the trade. Pick your operating model below.