What insurance do you need for a landscaping business?

Find out the top four policies to think about for your landscaping business.

David Granahan - Writer for NEXT Insurance
By David Granahan
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated May 29, 2023.

Landscaping business owners often consider these types of business insurance:

General Liability insurance

General liability insurance is a useful place to start. This type of coverage can help protect you from claims of:

  • Third-party bodily injury
  • Property damage
  • Reputational harm

With general liability, you can get help with repair or replacement costs if you damage property that doesn't belong to you. Or if a client slips and falls on your equipment, this coverage can help with their medical expenses.

» Want to know more? Find out the common landscaping business insurance claims

Errors & Omissions insurance

Errors and omissions insurance is also known as professional liability insurance. This can typically help with the following:

  • Claims of negligence, such as if you plant a species that harms local wildlife
  • Legal fees due to business mistakes, like if one of your employees uses incorrect materials or doesn't follow the client's quoted specs

Commercial Property insurance

Your landscaping business may have some costly assets, which can include:

  • Equipment — mowers or trimmers. You can also opt for tools and equipment insurance to specifically cover work-related tools.
  • Property — garage or storage shed

Commercial property insurance provides assistance with repairs or replacements of the equipment and physical properties in case of instances such as:

  • Theft
  • Vandalism
  • Natural disasters, like windstorms
  • Equipment breakage caused by faults

Workers' Compensation insurance

If you have employees, a legally required policy is workers' compensation insurance. This can include cover for the following:

  • Employee injuries on the job
  • Lost employee wages
  • Employers liability if someone files a lawsuit against you for a work-related injury
  • Retraining

For example, if an employee experiences any bodily injury while using power tools, workers' comp can help.

Help protect your landscaping business with NEXT

To help avoid financial losses, reputational damage and unsatisfied clients, you can invest in comprehensive insurance. And NEXT makes it easy to find the cover you need.

NEXT offers fast, affordable and tailored landscaping insurance. To view your options, simply apply online and get an instant quote in less than 10 minutes. Once registered, you can instantly get your certificate of insurance and share it 24/7 with the NEXT app.

NEXT: Tailored Small Business Insurance

4.7/5(5,056 reviews)