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Landscaping insurance

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Landscaping insurance

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Quote online and buy in minutes

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Talk to a Hiscox agent in Spanish, from Mon-Fri 9 am - 10 pm ET. Call 1-833-816-2814

en Español

Hable con un agente de Hiscox en español, de lunes a viernes, de 9:00 a 22:00 ET. Llame al 1-833-816-2814

in English

Landscapers’ insurance

It’s all about taking care, isn’t it? As a landscaping or lawn care contractor you spend much of your time looking after your clients on their turf.

But what if your mower kicks up a stone and it smashes a window? Or your client trips over your power cable? Or you’re trimming and accidentally nick the A/C line?

You could end up with a claim against you. Hiring a lawyer costs. A lot. And then there’s the compensation, if you’re liable.

Insurance for landscapers can take care of these costs for you, including medical bills, legal fees and damages too. Without lawn care insurance you’ll have to foot the bill. Ouch.

  • Why does a landscaping business need general liability insurance?

    Lawncare and landscaping general liability insurance helps protect you and your employees. If a client is injured, or their property is damaged, your coverage could pay for your legal defense and any compensation you’re liable for.

    So why risk it? After all, you wouldn’t build a bed on a slope without making sure you’ve got a retaining wall in place, would you? Taking out general liability insurance is like having that safety fence. Because let’s face it, no matter how careful you are, accidents happen.

    And even a groundless claim - like a sudden rain shower - could rinse you, completely.

  • What do your lawn care and landscaping insurance policies cover?

    We provide coverage for:

    • Bodily injury – a customer falls over one of your landscaping tools while you're working in their yard, making you legally liable for their injury.
    • Property damage – an employee smashes a customers' window while mowing their lawn.
    • Personal injury – you make some not-so-nice remarks about a customer while out for lunch with friends. They later find out about this and sue for slander.
    • Bodily injury or property damage as a result of using any auto or self-propelled mobile equipment is not covered by this policy.
  • How much does landscaping liability insurance cost?

    Our general liability policies start at $42 a month. But if you’d rather pay in one installment - or four – the choice is yours. Your budget, your way.

    As for how much cover you need, work out what’s best for you. Imagine the worst-case scenario. What could go wrong? Then pick a figure you can realistically afford.

  • What other insurance do landscapers need?

    General liability insurance doesn’t cover claims for damage to your property. To protect your tools and equipment when you’re on-site, you need to add business personal property (BPP) to your package.

    It’s worth it. Your landscaping tools are more likely to get lost, stolen or damaged, when you’re out on a job. And how will you work without it?

    Anyone work for you? Employment practices liability insurance protects you from the cost of claims brought for unfair dismissal, sexual harassment, discrimination and more.

    And most states require you to have workers’ compensation insurance even if you only have one employee. It’s good to have. It protects your business from the cost of workplace injury claims — which can be crippling.

    You might not think you need cyber liability insurance. But one-man bands and small landscaping businesses are just as likely to be targeted by cybercriminals as big corporates. Size doesn’t matter to hackers. They just go for the easiest targets. And without tough cyber defenses, that’s you.

    So if you store sensitive client data, step up your cyber security. And protect your cashflow with a cyber liability policy. Because it’s not the attack that’ll wipe you out, it’s the huge cost of recovering from one. Cyber liability insurance can take care of these costs, so your landscaping business survives.

    Think you might need several of these policies? A business owner’s policy (BOP) might be right for you.

    A bundle of the basic insurance a business owner needs, it can include:

    • General liability
    • Property
    • Equipment breakdown
    • Employee benefits liability
    • Employment practices liability
    • Cyber risk

    It usually works out cheaper than buying the policies separately, too.

    Every landscaping and lawncare business is unique, we get that. So we can build an insurance package to suit your particular needs. In minutes.

Prefer to talk?

For advice, a quote or just a quick question, feel free to call me.

I'm Matthew - I'm here to help you.

My direct line is: 978 344 4226.

Call me or request a call and I'll call you back.

Matthew

Matthew Kelley
Account Executive

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