Landscape insurance could help protect you from
The costs of property damage
You accidentally damage a customer’s fence, window or other property while you’re working — and they expect you to make it right.**
Medical expenses after an accident
Someone gets injured tripping on your power cord while you’re on the job and asks you to cover their medical bills.
The cost of stolen tools
Your tools, gear and other work equipment get stolen from a job site — and you can’t get back to work without them.
The expense of a work vehicle accident
You’re driving your car, truck, van or trailer between jobs and an accident damages someone else’s property and/or your vehicle.
Get landscaping business insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Landscape insurance can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT Insurance makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in insurance for landscaping businesses
Landscaping insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for a lawn care business
Protection for injuries, accidents and damage you cause
general liability can help you pay for:
Contractors’ E&O insurance
To help protect you from errors and mistakes on a job
professional liability can help you pay for:
Commercial Auto insurance
Protection for work trucks, trailers, cars and vehicles
commercial auto can help you pay for:
Workers’ Comp insurance for landscaping and gardeners
Coverage for employee work-related illnesses or injuries
workers compensation can help you pay for:
Tool and Equipment insurance
Protection for your work gear and equipment
inland marine can help you pay for:
ERGO NEXT Insurance reviews
NEXT is the BEST
In need to commercial insurance, NEXT is your one stop shop!
gilbert f.
Chris Reinitz Construction
Best insurance should be your next insurance for your small business
Chris R.
Awesome
The best insurance company I've delt with by far.
Jared B.
Great service
Very easy to use site
Theodore S.
Quick service.
They were just there for me instantaneously.
MattHew H.
New to NEXT Insurance
I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.
Ofelia U.
Pleased
I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend
Jesus C.
Next is the BEST
Best customer service ever! Everyone was quick to respond with everything I needed
christopher h.
consolidating insurance
My sales provider help me thru the process. It was so easy.
kelly J.
General Liability
Super simple process
Jordan S.
Save up to 25% in discounts on landscaping insurance
Pay monthly or annually, and you can cancel at any time.
How much does landscaping business insurance cost?
Premiums for landscape insurance costs are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The type of work you do.
- The types of clients you have.
- Your business location.
- Your number of employees.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.
How can insurance for landscaping help your business?
Landscaping businesses are often required to have commercial insurance for licensing, or to help cover the risk of injury and property damage. You might need insurance to:
- You may need insurance to get licensed. Some states require business insurance to obtain a landscaper license before you can get to work.
- Business insurance could be required to start work. Some clients and local governments require proof of active business insurance before you can bid on a project, sign a contract or start work. Usually they want you to share a certificate of insurance (COI) for landscaping liability insurance or workers’ compensation.
- Landscape insurance may be mandatory to hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Driving for business requires coverage. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance in most states.
- Help protect business property you own or rent. You can help shield your business from the costs of damaged or stolen inventory, equipment and the warehouse, storage space or office space you lease or own with commercial property insurance.
Landscaping insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
What kind of insurance does a landscaping company need?
Insurance for a landscaping company is usually a combination of several types of policies. General liability insurance is the most common to cover accidental damages or injuries to others. But workers’ comp insurance could help cover employee injuries that happen at work. Contractors’ E&O insurance (also called contractor’s errors and omissions) could help if there’s a workmanship mistake in your work and you’re asked to cover the costs to fix it. Tool and equipment coverage, an add-on to general liability, could help if your tools get stolen. And commercial auto coverage can help cover the vehicles you use for work.
Is insurance for landscaping required by law?
Landscaping insurance isn’t always required by law, but many states — and some cities — have specific rules for landscaping and lawn care businesses.
You may need certain types of coverage, such as general liability or workers’ compensation, to get a business license, a work permit or to work on commercial or government properties.
Even when it’s not mandatory, some residential or commercial clients require proof of landscapers business insurance coverage before they’ll hire you.
Does landscaping insurance cover damage to client property?
Landscape insurance may help cover accidental damage to a client’s property while you’re working. For example, if a lawn mower flings a rock through a window or you damage a sprinkler system during irrigation line installation, general liability coverage could help pay for repairs or replacement costs.
Can homeowners insurance cover landscaping company damage?
If your landscaping work accidentally damages a homeowner’s garden area, their homeowners insurance may not cover that. That could be considered a workmanship issue for a landscaping company’s contractors’ E&O coverage.
What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
