Quote online and buy in minutes

Get my quote

Landscaping insurance

Get protected from $37.13 a month

Quote online and buy in minutes

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Landscaping insurance

Get protected from $37.13 a month

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Choose your cover, protect your business
General liabilityinsurance
From $37.13a month
Protection against accidental damage to someone else’s property, injury to a third party and related costs, legal defense costs even if the lawsuit is groundless and more...
Add on business personal property (BPP) insurance to protect your tools and equipment on-site.

Quote online and buy in minutes

Get my quote

General liability insurance for landscaping and lawn care businesses

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.

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

  • Why do landscaping and lawn care businesses 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 landscaping insurance policies start at $37.13 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 types of 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.

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

What other kinds of insurance do landscapers need?

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.

Get more advice from the blog

Prefer to talk?

For help, support or just a quick question, feel free to call me.

I'm Matthew - I'm here to help you Monday to Friday, 9 to 5.30 (EST).

My direct line is 978 344 4226.

Matthew

Matthew Kelley
Vice President, Business Development Manager

phone icon 978 344 4226

Get protected from $37.13 a month

Get my quote