Landscaping Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Insurance for landscapers can help protect you from

The costs of property damage

You accidentally damage a client’s or customer’s property while you’re working.^**

Medical bills after an accident

Someone gets injured on your job site and asks you to cover medical expenses.

The cost of stolen tools

Your work equipment on a job site goes missing and needs replacing so you can get back to work.

Landscaping insurance designed to protect your business

ERGO NEXT specializes in small business insurance. Lawn care and landscaping insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, coverage and buy 100% online in about 10 minutes.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) at no extra cost.

You can save up to 25% in discounts on landscaping insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does landscaping insurance cost?

Landscaping business insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Everything you want to know about Insurance

Landscaping insurance requirements

Landscaping businesses are almost always required to have commercial insurance due to the risk of injury and property damage. You might need insurance to:

Get a landscaper license in your state.
Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about affordable landscaping insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect landscapers?

Our landscaping insurance policy packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

An employee accidentally cracks a piece of fencing at a client’s home. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A lawn mower flings a rock, hitting a passerby in the leg. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client accuses you of using a pesticide that made their dog sick. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You throw your back out while working on a client’s garden. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your work truck is damaged by hail during a storm. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Some of your tools are stolen when left at a work site overnight. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

Your storage space is flooded during heavy rains, damaging some equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.