What business insurance does a landscaping company need?

Whether you’re mowing lawns, installing sprinkler systems or building patios, your landscaping company does a beautiful job of transforming outdoor spaces. Unfortunately, work that involves physical labor, heavy equipment and client property comes with risks. We believe in your business and want to help you protect it, so here's a quick guide to the coverages most landscapers choose – so you can safeguard your success and see more of the other kind of green.

SHORT SUMMARY (because we know you have a lot going on!)

Landscaping companies face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for landscapers saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance is often required by your contracts and covers damages your business causes, along with advertising-related claims.
Landscaper property insurance covers damages to your office space, furnishings or equipment from fire, theft and other surprise threats.
Workers’ compensation is required in most states for landscapers who have employees.
Cyber insurance for interior design businesses covers data breaches, including regulatory fines and digital recovery costs.
Equipment insurance for landscapers covers damages from fire, theft & more to the important gear you bring to jobs.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR LANSCAPING BUSINESSES:

Here are five essential coverages every landscaping company should consider to stay protected and profitable:

1. Business Owner's Policy for landscaping services

A business owner’s policy (BOP) for landscapers is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:

GENERAL LIABILITY FOR LANDSCAPING COMPANIES Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:

A client trips over a hose and breaks their ankle.
A mower throws a rock that damages a customer’s window.
A competitor accuses you of copying their logo or slogan.

PROPERTY INSURANCE FOR LANSCAPING SERVICES Helps repair or replace your office space, furnishings, and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A fire damages your storage shed and tools.
A break-in results in stolen blowers and trimmers.
A storm damages your office and equipment.

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

2. Workers' compensation for landscaping companies

Most states require workers’ compensation insurance for all landscaping services with employees. It covers medical expenses and lost wages for employees injured on the job – and protects you from most employee lawsuits. Examples:

A crew member strains their back lifting sod.
A worker suffers heat exhaustion during a summer job.
An employee cuts themselves with a hedge trimmer.

3. Commercial Auto Insurance for landscapers

If you use company-owned or personal vehicles to transport materials, tools or employees, most states require commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Contractors tools and equipment insurance

Your tools and machinery are essential to your business. This coverage helps repair or replace gear that’s stolen, damaged, or destroyed – whether on the jobsite, in transit, or in storage. Examples:

Your generator hits the side of a swaying trailer and parts are broken
A dropped chainsaw breaks and needs replacement
A jobsite theft results in missing blowers and trimmers

5. Commercial umbrella insurance for landscaping businesses

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR LANDSCAPING SERVICES

Every business is unique. We’re fans of yours and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.

At no charge to you, we will:

Recommend the right coverage for your needs
Shop for you from leading top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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The right coverage for you? Surprisingly simple.

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Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

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When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.