Insurance Built for
Landscaping Professionals
From mowing lawns to hardscaping projects — protect your business, your crew, and your equipment with coverage that actually fits your operation.
What Your Landscaping Business Needs
General Liability (GL)
Covers property damage (broken windows, damaged sprinklers, irrigation systems), bodily injury to bystanders, and completed operations claims.
Workers' Compensation
Landscaping is physical work. WC covers medical bills and lost wages when crew members get injured on the job — and it's required in most states.
Commercial Auto
Trucks, trailers, and mowers on the road every day. Personal auto doesn't cover business use — one accident and you're personally exposed.
Inland Marine / Equipment
Protects your mowers, trimmers, blowers, trailers, bobcats, skid steers, and other heavy equipment — even when they're being transported between job sites. Property policies only cover items at your fixed location.
Why Businesses Choose IPA
- ✓ Quotes from A-rated carriers: Hartford, Travelers, Liberty Mutual
- ✓ One application — we shop it for you
- ✓ Response within 1 business day
- ✓ No obligation, no pressure, no spam
- ✓ Licensed in all 50 states
Not sure what coverage you need? Use our free Business Insurance Requirements Checker →
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Takes about 2 minutes. No obligation.
Frequently Asked Questions
How much does landscaping business insurance cost?+
Landscaping insurance typically costs $800–$3,500 per year for general liability, depending on your revenue, crew size, and the type of work you do. A sole operator doing basic lawn maintenance may pay under $800/year. A landscaping company with multiple crews doing hardscaping, tree removal, or chemical applications will pay more — often $2,000–$5,000+ when you include workers' comp. Commercial auto for your trucks is priced separately.
What insurance does a landscaping company need?+
Landscaping businesses typically need: (1) General Liability — covers property damage (broken windows, damaged irrigation systems) and bodily injury; (2) Workers' Compensation — required in most states for employees; (3) Commercial Auto — for trucks, trailers, and equipment in transit; (4) Inland Marine / Equipment coverage — for mowers, trimmers, blowers, trailers, bobcats, skid steers, and other heavy equipment; (5) Pollution Liability — if you apply pesticides, herbicides, or fertilizers, some carriers offer a limited pollution endorsement.
Do landscapers need special insurance for pesticide application?+
Yes. Standard general liability policies typically exclude pollution-related claims, and pesticides and herbicides can be classified as pollutants. If your landscaping business applies chemical treatments, ask specifically about a limited pollution liability endorsement or a separate pollution liability policy. Liberty Mutual offers a limited pollution endorsement for landscaping businesses that apply pesticides, herbicides, and fertilizers.
Does a landscaping company need workers' comp for subcontractors?+
It depends on your state and how your subcontractors are classified. In many states, if you direct the work, provide equipment, or a worker works primarily for you, they may be classified as employees regardless of how you pay them. Some states require landscaping companies to carry workers' comp for all workers on the job site. Always verify your state's requirements with a licensed insurance professional.
How fast can I get an insurance quote for my landscaping business?+
Through Insurance Pro Agencies, you complete one application and we route it to A-rated carriers including Hartford, Travelers, and Liberty Mutual. Most landscaping accounts receive a quote within 1 business day. Simple lawn maintenance accounts can often be quoted same-day.