Choose from the nation's best insurance providers
Top landscaping businesses we insure
Recommended insurance policies for landscaping professionals
Equipment theft, bodily injury, or a lawsuit could devastate your landscaping business. Swift Insurance helps you find coverage that matches the unique risks faced by lawn care and landscape contractors.
General Liability Insurance
Covers bodily injuries, customer property damage, and advertising injuries. Often required for commercial leases.
Best for:
Slip-and-fall accidents
Customer property damage
Libel lawsuits
Professional Liability Insurance
Also called E&O insurance, this covers legal costs for professional errors or missed deadlines.
Best for:
Negligence lawsuits
Project disputes
Work mistakes
Workers' Compensation Insurance
Covers medical expenses for employee injuries and is required in most states.
Best for:
Employee medical costs
Disability benefits
Injury-related lawsuits
Business Owner’s Policy (BOP)
Combines general liability and commercial property insurance for small businesses in one affordable package.
Best for:
Customer injuries
Damaged property
Business interruptions
Cyber Insurance
Helps businesses recover from cyberattacks and data breaches by covering recovery costs and customer notifications.
Best for:
Data breach lawsuits
Customer notifications
Fraud monitoring
Commercial Auto Insurance
Covers vehicle-related accidents and damages. Required for business-owned vehicles in most states.
Best for:
Auto accident lawsuits
Vehicle damage or theft
Vandalism
How much does insurance cost for landscaping businesses?
A small landscaping business can expect to pay less for insurance than a larger business. Several factors determine the cost of insurance and license or permit bonds for landscapers:
- The landscaping services you offer, such as pesticide and herbicide
- Business property and equipment
- Business income
- Number of employees and payroll
- Coverage limits and deductibles
- Additional insured endorsements
How do I get landscaping business insurance?
We make it easy for you to find insurance for your landscaping business, whether you work in irrigation, landscape design, tree services or have a lawn care business.
Our application will ask for some basic facts about your business, such as your annual revenue and how many employees you have. You can compare free quotes online, buy a policy and get a certificate of insurance with Swift Insurance in three easy steps:
- Complete a free online application
- Compare landscaping insurance quotes and choose policies
- Pay for your policy and download a certificate for proof of insurance
Swift’s licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage and policy limits for your landscaping company, whether you work by yourself, with a partner, or manage a large team.
Frequently asked questions about landscaping insurance coverage
Do I need a license and bond for my landscaping business?
There are 16 states that require a landscaping license. Even if your state doesn’t require one, you’ll likely need a business license before you can perform landscaping work. You might also need an additional license to use pesticides.
Many states require a surety bond for landscaping businesses, which are a type of contract between your business, your clients, and an insurance company. It acts as a landscaping insurance policy that will reimburse a client if you fail to deliver your contracted services. In the landscaping industry, these bonds are also known as a license bond, because they’re often required to obtain a license.
What other types of insurance do I need for my landscaping business?
To fully protect your landscaping business, you should consider additional insurance coverage, including:
Commercial property insurance
Commercial property insurance pays to repair or replace your business property in case of fire, theft, vandalism, and other risks. It covers your business’s physical location and other assets like equipment. It’s often required to sign leases.
Hired and non-owned auto insurance
Hired and non-owned auto (HNOA) insurance provides liability coverage for accidents involving any personal, leased, or rented vehicles used by your business. Your personal auto insurance is unlikely to cover you for a work-related accident.
Inland marine insurance
Inland marine insurance provides business insurance coverage for your business property, such as tools and equipment, while it’s being transported to a job site or stored at an off-site location.
How fast can I get landscaping business coverage and obtain a certificate of insurance?
Most business owners can get covered and obtain a certificate of insurance (COI) within a matter of hours. Businesses that are difficult to insure can usually get their certificate within 48 hours. Once you’re covered, you can access and download your COI at any time.