Insurance Built for Landscaping & Lawn Care Contractors
From weekly mowing routes to patios and plantings, get coverage shaped around how landscaping businesses actually operate — crews, trucks, trailers and equipment — backed by an independent agency that shops 30+ carriers on your behalf.
Free, No-Obligation Quote
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One application. 30+ carriers. A licensed agent reviews every quote.
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Built Around Your Crew's Week
If this is what fills your schedule, we can shop it across our carrier lineup.
Lawn Care & Mowing
- Weekly mowing & edging
- Fertilizing & seeding
- Aeration & overseeding
Landscape Installation
- Planting, sod & mulch
- Bed design & installation
- Grading & drainage fixes
Hardscape
- Patios, walkways & pavers
- Retaining walls
- Fire pits & outdoor living
Irrigation
- Sprinkler installation
- Seasonal startup & winterizing
- System repair
Trimming & Cleanup
- Shrub & hedge trimming
- Seasonal cleanups
- Debris hauling
Seasonal Services
- Snow plowing & salting
- Holiday lighting
- Year-round maintenance contracts
A Policy Stack Built for Landscape Work
Package these together, or layer in what fits — every landscaping business is a little different.
General Liability
Property damage & injury from your work
Commercial Auto
Trucks, trailers & crew vehicles
Workers' Compensation
For crews & seasonal help
Equipment Coverage
Mowers, trailers & tools (inland marine)
Optional Coverages Worth Asking About
Pollution LiabilityFor fertilizer, pesticide or herbicide application
Umbrella / ExcessExtra limits over your general liability and auto
Additional Insured OptionsHOAs, property managers & written agreements
Hired & Non-Owned AutoFor borrowed or subcontracted vehicles
Employment Practices LiabilityProtection as you grow your crew
Installation CoveragePlants, materials & hardscape not yet installed
Tree Work, Chemical Application or Excavation? We Can Still Help.
Some landscaping businesses do more than mowing — tree removal, pesticide or herbicide application, grading, or large commercial and municipal grounds contracts. Those operations are underwritten differently than a weekly mowing route, which is why being an independent agency matters: if one carrier's program doesn't fit, we go to the next one in our lineup of 30+.
Talk to an Agent About Your OperationsWhere We Write Business
Licensed to serve landscaping contractors across the Midwest.
Landscaping Insurance FAQ
I only mow lawns. Do I need commercial insurance?
If you charge customers, yes. A homeowners or personal auto policy typically excludes business activity, which can leave your mowers, trailer and liability uninsured.
Are my mowers and trailer covered by my truck's policy?
Not usually. Auto covers the vehicle itself; mowers, attachments and tools are normally covered through equipment coverage (inland marine).
What if I apply fertilizer or pesticide?
Chemical application is often limited or excluded on standard policies. Tell us exactly what you apply so we can look for coverage that fits, including pollution liability.
Do I need workers' comp for seasonal helpers?
In most states, workers' comp is required once you have employees, even seasonal or part-time ones. It also protects you if a helper is hurt on the job.
Can I add snow plowing to my landscaping policy?
Sometimes. Carriers often underwrite plowing separately from landscaping, so we review both operations to fit them together or split them across carriers.
Let's Get Your Landscaping Business Covered
Tell us about your services and equipment, and we'll shop your options across our full carrier lineup.
Related coverage: Snow Removal · Inland Marine & Equipment · Commercial Auto · Workers Compensation