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Best Landscaping Insurance of 2022

Bryan Keith

Being a landscaper carries many risks from your equipment being stolen, causing property damages, and injuries while on the job. A landscaping insurance policy can help protect you and your business from losses. We’ve evaluated the best business insurance providers based on coverage, financial stability, customer satisfaction, and overall quality

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Offers a range of insurance poilicies

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Simply Business provides insurance policies for a range of professions and small businesses.

What we like

  • Various business insurance policies
  • Quotes from multiple providers
  • Fast and easy application
  • Strong customer satisfaction

What we don't

  • Policies are a through a third party
  • Claims must be filed through insurance provider

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

eCommerce-only insurance solution

$2,000,000

Coverage Up To

$0 - $5,000

Deductibles

Overview

Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.

What we like

  • Tailored eCommerce insurance
  • Liability insurance for Amazon sellers
  • Store Suspension coverage
  • Compares leading insurance carriers
  • Flexible coverage options and payment plans
  • Knowledgeable about Amazon’s rules and policies

What we don't

  • Limited physical offices

What is landscaping insurance?

Landscaping insurance is also called lawn care business insurance. Landscaping insurance is not a specific policy offered by insurance providers. Rather, it is a combination of policies based on a landscaping business’s specific coverage needs. Coverage needs vary based on the kind of landscaping work a business does. Basic insurance policies that can fall under the umbrella of landscaping insurance include general liability, commercial auto, business owners property (BOP), and workers compensation.

Who needs landscaping insurance coverage?

While it is a good idea for all business owners to consider obtaining insurance, some basic types of coverage such as general liability, property, and workers’ compensation are often required by state law and municipal codes. Additionally, some clients will not hire you if you do not have landscaping insurance.

Specialized landscaping insurance should be strongly considered by landscapers, tree trimmers, and even landscape designers.  Having landscaping insurance will give you peace of mind in case you are injured on the job or have suffered losses due to theft or damage.

What insurance do landscapers need?

Landscaping insurance is not a specific type of insurance like car insurance. Insurance policies will come with specific inclusions and exclusions, so make sure to read your policy information to be aware of the limitations. Here are some common types of policies included in landscaping insurance and what they typically cover.

General liability

This is the most general type of insurance. It covers property damage, including any of the client’s property that you or your employees damage while on the job. It also covers bodily injury, whether that injury is a result of your own action or the fault of one of your employees.

Property damage caused by trees can be tricky. Coverage can vary depending on the location of the tree and the specifics of the situation. If a tree in your client’s yard fell over due to improper trimming and maintenance, the insurance policy would determine what is covered and your responsibilities towards the damage.

Landscaping work can be dangerous. There is always a risk of falling tree branches, slipping off of ladders, or throwing out your back. General liability will cover any losses sustained due to accidents such as these.

Weather can be brutal and can cause damage to your equipment. General liability will cover damage to a landscaping business’s property due to weather. Also, it can cover theft, false claims, legal fees, threats of libel, and slander. General landscaping insurance can exclude certain specific items such as flood damage, which often needs to be purchased separately. There can also be coverage limits, so make sure to read your policy information to be aware of the limitations.

Commercial auto

If you use your car to transport your tools and equipment, you will most likely need a commercial auto policy. Standard auto policies usually have restrictions around vehicles that are used for work. Commercial auto insurance can also cover vehicles, such as dump trucks, trailers, and utility vehicles.

Commercial auto coverage varies based on factors such as location and type of vehicle. It is a good idea to read potential commercial auto policies carefully before choosing one to make sure that your vehicle meets the requirements and that the insurance policy covers your needs.

Workers’ Compensation

If you plan to hire employees to work for you, you should consider obtaining workers’ compensation coverage. Workers’ compensation coverage protects your company against claims of injury or other incidents made by employees.  It also protects employees if they get hurt or fall ill due to job activities.

Business owner’s policy

A business owner’s policy, or BOP for short, is often purchased by business owners with less than 100 employees and revenues under $5 million. A BOP is an “umbrella policy” that contains several unique policies that are often needed by landscapers. It frequently covers property damage, business income loss, and equipment breakdowns.

What are the limits of landscaping insurance?

Landscaping insurance has coverage limits just like any other type of insurance. Policy coverage limits vary based on needs, and can be anywhere from $20,000 to $5,000,000. Some policies have a maximum number of trees or shrubs covered or a max replacement value for a single tree. Some policies don’t cover property damage that is caused by hail, pests, or windstorms. Damage caused by flooding will usually require a separate policy to be covered. Read your landscaping insurance policies to make sure you are clear on your coverage limits.

How much does landscaping insurance cost?

Landscaping insurance premiums cost anywhere from $400 to $10,000 per year. Higher deductibles can decrease annual premiums. Landscapers should discuss their needs with insurance providers to find the right balance of premium and deductible. Landscaping insurance costs depend on the following factors:

  • Policies included: Policy needs vary depending on the operations of the landscaping business. It is common for landscapers to get general liability, workers compensation, and commercial auto policies at a minimum.
  • Limits of policies: Coverage varies from policy to policy. Higher coverage limits usually mean more expensive premiums.
  • Business owners history: If a landscaper has minimal experience or a history of past claims, insurance providers will usually charge a higher premium. This is because landscapers such as these pose a higher risk of filing future claims.
  • Business operations: A larger landscaping company or a company with many operations will likely have more expensive landscaping insurance. It makes sense that the more operations that need coverage, the costlier it will be. Other business operations that impact the cost of landscaping insurance include payroll, location, revenue receipts, and property value.

How to choose the best landscaping insurance?

Now that you have decided to purchase landscaping insurance, you may be asking yourself, “How do I choose the best policy for me?”

  • Compare insurance agencies: The first thing you want to do is compare different providers to view the cost of the plans and the coverage they provide. You can call and ask to speak with an insurance agent, and they can go over their plans in deeper detail
  • Check reviews of the provider: You want to make sure you are selecting an insurance provider that is easy to communicate with, willing to help you understand your plan, and does not have a history of unethical behavior.
  • Determine how much coverage you need: Standard general liability policies typically come with $1,000,000 to $2,000,000 in coverage. Compare the coverage limits between several policies and weigh the costs of the plan against the coverage provided.
  • Make sure you are financially ready for the cost: The average price for a $1,000,000 to $2,000,000 general liability policy is around $50 a month depending on location. You may need to purchase other specialized types of policies depending on your area of work or level of risk you face. Someone climbing on tall ladders frequently throughout the day likely needs more coverage than someone only doing landscape design.