Lawn care, landscaping, and hardscape
Landscaping insurance for lawn care and landscape businesses
Mowers throw rocks, trailers get stolen, and crews work around customers, cars, and windows every day. Kaufman Insurance Group compares landscaping insurance from multiple companies to help you protect your equipment and your business.
- Liability for damage to customers’ property
- Coverage for mowers, trailers, and equipment
- Truck and trailer coverage for your crews
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare landscaping insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What landscaping insurance is
Landscaping insurance is a group of business policies for lawn care, landscaping, and hardscaping businesses. It helps pay if your work injures someone or damages property, and protects the mowers, trailers, trucks, and tools that keep your crews moving.
Common landscaping claims include rocks thrown by mowers that break windows or hit cars, damage to irrigation lines or underground utilities, and injuries to customers or passersby. Equipment theft is also a real concern, especially for trailers left at job sites.
If your business applies fertilizer or pesticides, removes trees, or plows snow in the winter, tell us. Those services can change which policies and companies fit, and some need special coverage or licensing.
Lawn care and maintenance
Mowing, trimming, mulching, cleanup, and seasonal services.
Landscape and hardscape
Planting, design, patios, walls, and outdoor features.
Know what you are choosing
Coverages landscaping businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, such as thrown rocks, depending on the policy.
Tools and equipment
Covers mowers, trimmers, blowers, and other equipment on trailers and at job sites.
Commercial auto
Covers trucks and trailers that haul crews and equipment.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Snow removal coverage
If you plow in the winter, your liability policy needs to address snow and ice work.
Umbrella or excess liability
Adds higher limits for commercial property and HOA contracts.
Is it right for you
Who we help
We help landscaping businesses from one-truck operators to larger crews.
Lawn mowing businesses
Residential and commercial lawn maintenance.
Landscape design and install
Planting, beds, and landscape projects.
Hardscape contractors
Patios, walls, walkways, and outdoor living spaces.
Snow plowing add-ons
Landscapers who plow and salt in the winter.
Adding snow plowing or spraying services? Talk with an agent before the season starts.
How Kaufman helps
How we help landscaping businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the services you offer, including any spraying, tree work, or snow removal, your crew, and your trucks and trailers.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Landscaping and Lawn Care Insurance questions
What insurance does a landscaping business need?
Most need general liability, equipment coverage, and commercial auto for trucks and trailers. Workers compensation is needed if you have employees.
Is my mower covered if it is stolen from a job site?
Your general liability does not cover your own equipment. Tools and equipment coverage, often called inland marine, can cover mowers and tools stolen from job sites or trailers.
Does my landscaping policy cover snow plowing?
Not always. Snow and ice work often needs to be specifically included, and some companies treat it separately. Tell us if you plow.
Do I need special coverage to apply fertilizer or pesticides?
Chemical application can require licensing and may need specific coverage. Let us know if you offer these services.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Commercial auto insurance
Coverage for your trucks and trailers.
Explore commercial autoPressure washing insurance
Coverage for exterior cleaning services.
Explore pressure washing insuranceGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a landscaping insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.