What insurance does a landscaper need?

General liability, workers compensation if you have employees, commercial auto for trucks and trailers, and equipment coverage. Lawn care companies also need chemical application liability.

Does my policy cover tree removal?

Only with a tree service endorsement. Standard landscaper liability often excludes tree felling and large branch removal. We add this coverage if you offer tree services.

What if I damage a sprinkler system while mowing?

General liability covers accidental property damage from your operations, including damaged irrigation systems, fences, and landscape features.

How much does landscaper insurance cost?

A solo lawn care operator might pay $1,000-2,500/year. With employees, multiple trucks, and tree services, costs range from $3,000-8,000+ depending on payroll and equipment value.

Landscapers insurance coverage for businesses across Alabama, Georgia, Florida, Tennessee and Mississippi

Outdoor Trade Coverage

Landscaper Insurance

Landscapers and lawn care professionals face property damage from mowers and trimmers, chemical application liability, tree removal risks, and seasonal equipment exposure. Our landscaper insurance packages combine general liability, workers compensation, commercial auto for work trucks and trailers, and equipment coverage into a program that protects your crew and your business through every season.

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What Coverage May Include

Coverage For Landscapers

Every policy we write for landscapers includes these core protections, customized to your specific operation.

General Liability Insurance

covers property damage from mowers, trimmers, and equipment as well as injury claims from landscape work

Workers Compensation

covers medical bills and lost wages when crew members suffer injuries from equipment, lifting, and outdoor hazards

Commercial Auto Insurance

covers work trucks, trailers, and equipment transports between job sites and the shop

Equipment Coverage

protects mowers, trimmers, blowers, chainsaws, and irrigation equipment at job sites and in storage

Pesticide & Herbicide Liability

covers claims from chemical application, drift damage, and environmental contamination from lawn treatments

Tree Removal Coverage

specialized protection for arborists and tree services including felling, pruning, and stump removal liability

The Independent Advantage

Why Landscapers Choose Us

Seasonal Coverage Flexibility

We offer programs that adjust coverage during off-season months, helping you save money when equipment is stored and crews are reduced.

Chemical Application Expertise

Lawn care chemical liability is often excluded from standard policies. We add pesticide and herbicide endorsements so your fertilization and weed control services are fully covered.

Equipment Theft Protection

Landscaping equipment is a frequent theft target. We ensure your coverage includes theft from trucks, trailers, and job sites with replacement cost valuation.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your landscapers operation.

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Common Questions

Frequently Asked Questions

Get Landscaper Insurance

Seasonal coverage for lawn care and landscaping professionals across the Southeast.

Call (205) 352-2335