Landscaping Insurance

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

Get business insurance for landscaping that’s fast, easy and affordable

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 makes it easy to:

Check prices, coverage 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) at no extra cost.

ERGO NEXT specializes in landscape company insurance

What kind of business insurance do landscapers need? It’s 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 insurance for landscapers could help if a non-employee gets hurt on a job site or if your business damages someone else’s property. It’s often required by project owners, individual clients and licensing agencies.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Contractors’ E&O insurance

To help protect you from errors and mistakes on a job

Contractor’s errors and omissions insurance can help cover costs if you’re accused of making workmanship errors. Contractors’ E&O could help cover expenses to fix the problem or defend your business.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Commercial Auto insurance

Protection for work trucks, trailers, cars and vehicles

Most states require commercial auto coverage for business-owned vehicles to help pay for medical expenses and property damage after an accident. Personal auto insurance usually won’t provide coverage if you’re driving for work.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Comp insurance for landscapers and gardeners

Coverage for work-related illness or injury

Workers’ compensation insurance coverage for a landscaping company could help cover medical costs and lost wages for employees after a work accident. Most states require this coverage if you have employees, and it might be required to get your landscapers license. Business owners have the option of adding themselves to the policy.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tool and Equipment insurance

Protection for your work gear and equipment

Tools and equipment insurance coverage, also called inland marine insurance, can help protect your landscaping services gear in your car, truck, trailer or at a job site. If you regularly travel with gear to work, tool and equipment insurance can offer protection against theft and some damages. This coverage is an optional add-on to ERGO NEXT's general liability insurance for landscapers, gardeners, tree removal services and lawn care services.

inland marine can help you pay for:

Stolen equipment

Damaged gear

Rental equipment

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 Landscapers insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

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?

Premiums for landscaping business 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 coverage for landscapers help your business?

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

Get licensed. Some states require business insurance to obtain a landscaper license before you can get to work.
Start work on a project. Clients and local governments might ask you to have proof of active insurance — usually landscaping liability insurance or workers’ compensation — and to show a certificate of insurance (COI).
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.
Repair or replace business property you own or rent. You can help protect your inventory, equipment and the building 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 can help cover employee injuries that happen at work, and contractors’ E&O can help if there’s a mistake in your work. Tool and equipment coverage, an add-on to general liability, can help if your tools get stolen. And commercial auto coverage can help cover the vehicles you use for work.

Do you need insurance for landscaping 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, work permits or to work on commercial or government properties.

Even when it’s not mandatory, clients often request proof of insurance before they’ll hire you.

Does landscaping insurance cover damage to client property?

Landscaping and lawn care insurance can 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 installation, general liability coverage can help pay for repairs or replacement costs. It’s designed to help protect your business from unexpected expenses so one mistake doesn’t turn into a costly setback.

Does homeowners insurance cover landscaping damage?

If your landscaping accidentally damages a homeowner’s garden area — and you accidentally kill plants or damage someone’s lawn — homeowners insurance usually does not cover that. That would often be considered a workmanship issue covered by a landscaping company’s contractors’ E&O coverage.

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.