(888) 900 0205Landscaper Liability Insurance
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.
Is General Liability Insurance for Landscapers Required?
In many states, having general liability insurance is either required or highly recommended for landscapers.
While not every state mandates it, states like California, Florida, and New York have specific requirements depending on the size of the business or if you're working on commercial properties.
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.
Having this coverage isn’t just about staying legal—it can also help you land more jobs.
What's Covered Under Landscapers’ General Liability Insurance?
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.
Other Insurance Landscapers Usually Carry
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.