Insurance for
landscaping & lawn care
Protect your crew, your trucks, and your gear. Casey covers mowing and maintenance routes, design-build and hardscape crews, irrigation, and fertilizer and weed-control work — general liability, workers’ comp, auto, and equipment in one place. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
Mostly tree removal and trimming? See tree service insurance
What it is
What landscaping insurance covers.
“Landscaping insurance” isn’t one policy — it’s a stack of a few, built around how you actually work. Most landscaping and lawn care operations carry these five lines.
You don’t need to know which ones you need. Tell us about your work and your broker builds the stack.
Who needs it
Every kind of landscaping operation — priced differently.
Mowing & maintenance routes
The broadest carrier appetite in the trade — most markets will quote you. Which means the job is getting them to compete, not finding one who’ll say yes.
Design-build & hardscape
Patios, retaining walls, and grading carry contractor-grade exposure and contractor-grade contracts. We price the install work separately from the mowing route instead of averaging you into the wrong rate.
Fertilization & weed control
Chemical application is excluded on many standard GL forms — the exact work that generates drift and burn-down claims. Carriers that write it want your applicator licensing on file; we make sure it’s there.
Irrigation & drainage
Underground work means utility strikes and water damage long after you’ve left. The right form contemplates completed operations — not just the day you’re on site.
Multi-crew operations
Payroll classification, subs, and hired & non-owned auto start to matter once crews drive between jobs. We price the whole operation, not just the equipment list.
New & part-time ventures
Plenty of landscaping businesses start as a weekend rig. First-year operations pay more, but several of our markets write them — and commercial clients require proof before you start.
Something in between?
Most operations are a mix. Describe your actual work split in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Landscaping insurance, answered.
How much does landscaping insurance cost?
It depends on your work mix, payroll, and claims history. As a rough anchor, General Liability for a solo mowing operation often runs $500–$1,200 a year; installs, hardscape, chemical application, and crews push it up. We quote your actual operation rather than a generic rate.
I just mow lawns — do I really need insurance?
Most HOAs, property managers, and commercial clients won’t put you on the schedule without a COI, and a single thrown-rock claim can exceed a season of revenue. Several of our markets write first-year, owner-only operations.
Does my policy cover fertilizer and weed-control work?
Only if the form allows it — many standard GL forms exclude pesticide and herbicide application outright. Tell us what you apply and whether you hold an applicator license; we place forms that include chemical work, so there’s no argument at claim time.
My mower was stolen off the trailer overnight. Is that covered?
Not by your auto or GL policy — that’s Inland Marine (tools & equipment) coverage, rated to replace mowers, skid steers, and hand tools wherever they are: on the job, in transit, or parked overnight. If your equipment is financed, your lender usually requires it.
An HOA wants a COI with additional-insured wording before I start.
Standard for commercial and HOA work. Same day once you’re bound, and self-serve after that — we read the contract requirement and build the certificate to match it the first time, including the additional-insured endorsement.
What about snow plowing in the winter?
Say so up front — snow and ice removal is one of the most commonly excluded exposures on landscaping policies, and one of the most litigated. If plowing is part of your year, we quote a form that includes it or place it separately, before the first storm.
Let’s get started.
Send it in and a licensed broker calls you back right away.
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