Whether you're trimming trees, installing irrigation systems, or simply mowing lawns, accidents can happen. That’s where landscapers’ general liability insurance comes into play. It provides a financial safety net if your business is held liable for accidents, property damage, or injuries.¹
We’ve specialized in landscaper insurance since 2007, backed by nearly two decades of experience in commercial insurance overall.
Depending on your state and the type of work you do, general liability insurance may be required for certain licenses or contracts.
Some states and cities have specific insurance requirements for landscapers, especially when you’re licensed as a contractor, applying pesticides, or pulling permits for projects.
For example, Florida requires general liability for certain licensed contractors, and New York City requires proof of coverage for many permitted construction activities. In other areas, general liability isn’t mandated by the state but is still expected by commercial clients and property managers.
Even if it’s not a legal requirement in your state, many clients or contracts will require proof of insurance before they’ll hire you.
Legal requirements change often and differ by state and city; always check your state licensing board or local regulators for the latest rules.
Landscapers’ general liability insurance covers several potential risks.
If you accidentally cause property damage, like breaking a client’s window while trimming a tree, your policy helps cover the repair costs.
Similarly, if someone suffers a bodily injury—say a passerby trips over equipment you left out—you’ll be covered for medical bills and potential lawsuits.
Plus, it provides legal protection if you’re sued over these incidents. Essentially, it covers common risks you face on the job every day.
Besides general liability insurance, landscapers should also consider other important coverages.
Tools coverage protects your equipment from theft or damage.
Auto insurance is essential if you’re driving a company truck to job sites.
A surety bond might be required for certain contracts, giving clients confidence you’ll complete the work.
Workers' comp is key if you have employees, covering medical costs for on-the-job injuries.
There’s also excess liability for extra protection beyond your regular policy limits and professional liability to cover mistakes in your work.
For nearly 20 years, USA Insurance in Burbank, CA, has provided commercial insurance to businesses like yours. With agents licensed in all 50 states, we’re here to ensure your lawn & garden contracting business is protected. We get what you do and are committed to covering your business, so you can keep those lawns looking sharp.
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