Landscaping and Lawn Care Insurance
Landscapers have vehicle, equipment, and property damage exposure across many customer sites each week.
How this coverage works
Coverage built around your operations
Landscapers have vehicle, equipment, and property damage exposure across many customer sites each week.
Insurance for landscaping and lawn care is usually assembled from several policies, rather than one policy that covers everything. Locations, services, employees and contracts shape which coverage forms should be reviewed together.
Exposures that deserve attention
Common review topics include property damage from mowing, trimming, and tree work; trailer, mower, and equipment theft; vehicle and towing exposure on daily routes; chemical application and pollution allegations. Disclose changes in these activities so the insurance description stays aligned with your actual work.
Compare the details, not just the premium
Have current policies, loss runs and contract requirements ready. We can help compare deductibles, exclusions, valuation, claims reporting and coverage limits. Carrier eligibility and state availability vary, and coverage begins only after binding is confirmed.
Details to review
- Tree work height, chemical application licensing, and snow removal
- Equipment schedule and overnight storage
- Years in operation and ownership experience
- Annual revenue and payroll by role
- Prior loss history for the last three to five years
- Contract insurance requirements you must satisfy
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Common optional add-ons
Endorsements change what a policy covers. Availability differs by insurance carrier and state.
Additional insured and completed operations
Review the exact endorsements required by project contracts, including coverage for completed work.
Waiver and primary wording
Waiver of subrogation and primary/non-contributory status require applicable policy wording; a certificate does not create them.
Tools and installation materials
Review portable tools, materials awaiting installation, theft conditions and coverage at temporary jobsites.
Contractors pollution liability
Dust, chemicals, refrigerants or other environmental allegations may need specialty coverage beyond general liability.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners and operators of landscaping and lawn care seeking a coordinated coverage review
- Established operations with current policies approaching renewal
- New businesses with a clear operating plan, budget and required licenses
- Businesses preparing proof of insurance for a landlord, client or lender
- Organizations adding staff, locations or equipment and reviewing existing limits
Worth a conversation first
- Tree work height, chemical application licensing, and snow removal
- Equipment schedule and overnight storage
- Prior claims, canceled coverage or a lapse in insurance
- Subcontracted work, temporary staff or unusual contractual obligations
- New services, interstate operations or high-hazard activities
Availability varies by state
State regulation notice
- Monopolistic workers compensation states
- A small number of states require workers compensation through a state fund rather than a private insurance carrier.
- Catastrophe-exposed regions
- Coastal wind, wildfire, and earthquake exposures often require separate deductibles, sublimits, or specialty markets.
- Licensed trades and permits
- Some states and municipalities require specific bond forms or minimum liability limits before a permit is issued.
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- General LiabilityGeneral liability is the base layer of nearly every commercial program. It responds to claims that others bring against your business for bodily injury or property damage.Learn more
- Equipment CoverageEquipment coverage combines physical damage protection for the machinery you rely on with breakdown coverage for the mechanical and electrical failures property forms exclude.Learn more
- Commercial AutoVehicles used for business are rated and covered differently than personal vehicles. Commercial auto covers the vehicles you own and the ones your employees drive on your behalf.Learn more
A coordinated industry coverage review
Review these policies together for overlapping terms, gaps and contractual requirements. Nothing is added without your direction.
- General Liability
- Equipment Coverage
- Commercial Auto
- Pollution Liability
- Pollution LiabilityGeneral liability contains broad pollution exclusions. Environmental policies address cleanup costs and third-party claims arising from a pollution condition.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.