General Liability
Covers property damage at client sites, injury to bystanders, and claims from debris or equipment accidents.
Landscaping & Lawn Care Insurance for Every Crew
Landscaping crews face daily hazards — from equipment injuries to property damage at client sites. We compare multiple carrier policies to protect your landscaping business.
Coverage
What does Landscaping insurance cover?
The right insurance program for your Landscaping business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Workers' Compensation
Covers your crew for injuries from equipment, falls, heat exposure, and other landscaping job hazards.
Commercial Auto
Covers your work trucks, trailers, and vehicles used to transport crews and equipment between job sites.
Commercial Property
Protects your mowers, trimmers, blowers, trailers, and storage facility against theft and damage.
Business Owners' Policy
Bundles general liability and property coverage for smaller landscaping businesses at an affordable rate.
Who needs it
Who needs Landscaping insurance?
If you operate a Landscaping business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Residential lawn care and mowing services — Risk property damage and injury claims from flying debris, equipment accidents, and chemical applications.
- Commercial landscaping contractors — Maintain high-traffic business properties where slip injuries or equipment damage claims are more severe.
- Tree trimming and removal services — Face high liability from falling limbs and debris that can cause serious injury or property damage.
- Snow removal and seasonal services — Carry liability for slip-and-fall injuries on properties where they are contracted to keep surfaces clear.
Why Ashmont Insurance Agency
The smarter way to insure your Landscaping business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Landscaping business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Landscaping coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Landscaping insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Landscaping business insurance typically costs $1,500–$4,000 per year for general liability and workers' compensation combined, depending on crew size, payroll, and services offered. Tree services and snow removal typically pay higher rates. Ashmont Insurance Agency compares multiple carriers for the best pricing.
Yes. Personal auto policies do not cover vehicles used for business purposes. If your trucks or trailers are used for client jobs, you need commercial auto insurance. This covers the vehicle, cargo, and liability while on the road for work.
Commercial property insurance covers owned equipment like zero-turn mowers, commercial trimmers, blowers, trailers, and storage sheds. For equipment transported off-premises, you may also want an inland marine (contractor's equipment) endorsement.
Yes. Most states require workers' compensation for all employees, including seasonal workers. Landscaping has high injury rates, making workers' comp essential protection for both your workers and your business.
Yes. Ashmont Insurance Agency lets you compare landscaping insurance from multiple carriers online in minutes. We analyze your crew size, services, and equipment to find competitive coverage options immediately.
Ready to protect your Landscaping business?
Compare Landscaping insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.