We all love our homes and we all want them to be the best they can be. Most of us want that even if we’re not willing to spend a lot of money to achieve this goal. However, we don’t want to spend a lot of money either, and we don’t want to not get the level of service we’re looking for either. That’s where insurance comes in. For many of us, it’s the only way to get the level of service we want and still make sure we can afford it.
The landscape industry is one of the fastest growing insurance markets in the U.S. Every year, costs rise for owners of commercial and residential properties, as well as for business owners, who are required to provide safe working conditions for their employees. With this in mind, it is important to consider the right landscape insurance coverage to protect you against any unforeseen losses.
The best thing about landscaping isn’t that it’s aesthetically pleasing to the eye. It’s that it’s a great investment for your garden or property. Landscaping adds value to your property, which means that you’re bound to make money on it. It also means you’re setting yourself up for a good return on investment, since you’re likely to make more money on your property by selling it after some time.
A landscaping company may be profitable, particularly if you’ve been in business for a while and have built up a large client base. However, since it includes the usage of a lot of machinery and other equipment, such as large commercial trucks, it comes with its own set of hazards. If your company is big, you probably have a lot of people working for it. As a result, it’s fairly unusual to suffer accidents, property damage, or equipment loss while working. As a result, landscaping insurance is essential to safeguard your company from possible costs resulting from litigation or other damages.
The Top 6 Landscaping Insurance Providers
There are so many businesses that provide landscape insurance that it may be tough to choose the one that is right for you. We looked at more than 15 businesses and have compiled a list of the top 6 landscaping insurance providers for your consideration:
- CoverWallet is the most convenient way to compare online quotations.
- For business car insurance, Progressive is the best option.
- NEXT Insurance is the best option for quick estimates and coverage.
- Hiscox: For mid-sized companies who want a mix of online tools and agent assistance, Hiscox is the best option.
- Thimble: For landscaping companies who just require insurance for a few days, this is the best option.
- If you want a recognized name in the business insurance market, Hartford is a city in Connecticut. is the best option.
CoverWallet is the most convenient way to compare online quotations.
CoverWallet is one of the most easiest methods to get business insurance with just a few clicks from the comfort of your own home. They give a single point of access to handle policies, claims, and payments, as well as assisting landscaping company owners in understanding what landscape insurance is and how it can benefit their companies.
CoverWallet is a cryptocurrency exchange. They collaborate with a number of well-known commercial insurance providers, including Hiscox, Hartford, and Liberty Mutual, among others. CoverWallet can offer multiple estimates from their partner businesses once you submit your information, which takes just a few minutes, so you can compare and choose the best one for you. Popular products such as general liability insurance and BOP (Business Owner Policy) insurance are likely to be available for comparison.
You can use CoverWallet’s digital dashboard to handle all of your business insurance policies in one location after purchasing a landscaping insurance policy. Downloading the certificate of insurance, making a claim, or renewing your policies are just a few of the excellent digital capabilities available on the dashboard.
CoverWallet provided us with a quotation for a landscaping company in California with three full-time workers and yearly sales of $500,000. Liberty Mutual is the source of the quotation. It provides two options: a general liability policy or a business owners policy (BOP), which combines general liability and commercial property insurance into one policy.
- The UI is simple and easy to use.
- Provides a number of free quotations on the internet.
- Works with a number of different insurance providers.
- Makes it simple to access critical information, such as regulations, from a single place.
For business car insurance, Progressive is the best option.
For business car insurance, Progressive comes highly recommended. Liability, physical damages, medical expenses, and uninsured motorists are all covered. Trucks, compact automobiles, tractors, and excavators are among the vehicles covered. If your landscaping company relies on cars for work, you’ll need commercial auto insurance, and Progressive is the best option.
Landscaping company owners may combine their commercial vehicle insurance coverage with other business insurance plans like general liability, professional liability, and worker’s compensation, for example.
- The second-largest car insurance firm
- Provides landscaping company owners with a comprehensive and cost-effective commercial car insurance coverage.
- Provide possibilities for combining with other company insurance plans.
- Other than commercial car insurance, we not underwrite any other company insurance plans.
NEXT Insurance is the best option for quick estimates and coverage.
In contrast to the other insurance firms on this list, NEXT is a relative newcomer. It’s one of the most well-known insuretechs, and it’s revolutionizing how companies purchase insurance online. It offers low-cost, all-inclusive landscaping insurance.
At the touch of a button, NEXT insurance services may be accessed entirely online. It allows you to get quick rates, browse policies, and print insurance certificates. General liability, commercial vehicle insurance, professional liability, tool and equipment insurance, and workers compensation insurance are among the services provided by the business.
We received a quotation for a landscaping company in California with three full-time workers, a $500,000 yearly revenue, and a $250,000 payroll.
This landscaping company’s general liability insurance coverage costs $410 per month, according to a quotation from Next.
- Instantaneous estimates
- 100% on the internet
- Customers and AM Best have given it an A+ rating.
- There isn’t a policy in place for company owners.
- There is no access for agents.
In 1901, one of the first insurance firms was established. AM has given the business an A grade and it now operates in 49 states. The firm has a significant web presence and provides services such as a community newsletter and podcasts, which highlight some of the tiny companies that are making a major impact.
Hiscox provides independent contractors, such as landscapers, a variety of insurance plans both online and over the phone via their agents. One of the reasons Hiscox appeals to me is that they provide excellent service both online and via their agents. As a result, it’s ideal for mid-sized landscaping companies that want a solid mix of online tools and the ability to call on agents for help when they need it.
Hiscox provides general liability, professional liability, cybersecurity, worker’s compensation, and other services to landscapers. There’s also the possibility of getting a custom insurance solution.
Here’s a quotation we got from Hiscox for a landscaping company with three workers and a $500,000 yearly sales in California.
- AM Best gives it an A.
- Insurance solutions that are unique to you
- Getting a policy online is simple and quick.
- Provide excellent service both online and via agents.
- There is no policy in place for company owners.
Thimble: For landscaping companies who just require insurance for a few days, this is the best option.
Thimble is another insuretech company seeking to modernize the business insurance sector by making it simple for small companies to acquire business insurance online with only a few clicks, whether they are full-time or part-time. They’re popular since they provide coverage for a limited amount of time, such as a few hours or days.
Thimble may be a suitable choice for you if you just require landscaping insurance for a few days or weeks.
Thimble provided us with a quotation for a landscaping company in California with three full-time workers and yearly sales of $500,000.
- The pricing and purchasing procedure is really quick and easy.
- Instant access to the insurance certificate
- Other kinds of business insurance that a larger landscaping company may need, such as commercial car insurance or workers compensation insurance, are not available.
If you want a recognized name in the business insurance market, The Hartford is the best option.
In the commercial insurance sector, The Hartford is one of the most well-known brands. They’ve been around for hundreds of years and have a wealth of knowledge. They mostly insure big corporations. They have, however, been diversifying their client base to accommodate smaller companies. They’ve improved their digital capabilities and now let small companies obtain estimates, purchase insurance, and manage them all online. They provide a wide range of business insurance plans for all types of companies and sectors.
The Hartford provided us with another quotation for a landscaping company in California with three full-time workers and yearly sales of $500,000. They can offer business property insurance and workers compensation insurance quotations online, but not general liability insurance prices.
- One of the most well-known names in commercial insurance.
- Outstanding financial stability and client service
- Under one roof, a diverse variety of commercial insurance products are available.
- The digital experience isn’t yet complete. To obtain general liability insurance rates, you’ll still need to contact them.
According to our research and recommendations, these businesses are the finest. They may not be the ideal choice for your landscaping company. Make sure to evaluate at least three businesses before deciding on the finest option for you.
What is landscaping insurance and how does it work?
If you own a landscaping company, you need landscape insurance to safeguard your assets in the event of a disaster. Landscaping insurance refers to the types of business insurance that a landscaping company may need.
Landscape companies may need various types of company insurance coverage depending on their size and operational scope, such as if they also perform tree removal or have a nursery.
What kind of insurance does a landscaping company require?
Depending on the number of workers and the kind of operations that the landscaping company engages in, various insurance plans are required. The following are the most popular kinds of insurance for landscaping companies:
- Insurance for general liability is required by most, if not all, landscaping businesses. Insurance for general liability protects companies against financial losses and litigation resulting from workplace injuries or property damage caused by their operations.
- Property insurance for businesses is required if a landscaping company has an office and conducts its operations from a physical location. Commercial property insurance protects a company’s assets, including tools and equipment, against dangers such as fire, storm, theft, and natural catastrophes.
- A business owners policy, often known as a BOP, is a policy that combines general liability and commercial property insurance into one package.
- Commercial car insurance is required if a landscaping company utilizes automobiles in their work, such as a van to transport workers and other tools and equipment from their office to other job sites on a daily basis. Insurance for commercial vehicles covers all kinds of vehicles used in landscaping companies, including trucks, tractors, and personal automobiles. It covers car damage as well as any liabilities that may arise as a result of an accident.
- Inland marine insurance is required if a landscaping company moves its tools and equipment to work locations and stores them there. Inland marine insurance, also known as tool and equipment protection insurance, protects any moveable property, such as construction equipment, precious artwork, transportation materials, and computer equipment, while they are being kept at a third-party site.
- Worker’s Compensation insurance is required if a landscaping company employs more than one full-time or part-time employee. Most states have made it a legal requirement. When a person is hurt on the job, workers’ compensation insurance protects the company against financial losses resulting from litigation. It also covers the wounded person’s medical costs and offers compensation while they are undergoing treatment.
What is covered by landscaping insurance?
Landscape insurance may cover any or all of the following hazards, depending on the coverage you choose:
- loss or damage to your workspace, tools, and equipment while they are in your office, in transit to your jobsite, or kept at your worksite.
- the losses incurred at your workplaces as a result of your employees’ actions
- when your commercial trucks are involved in an accident, the property damage and physical injury to all parties
- when one of your employees is hurt at work
What is the cost of landscaping insurance?
Obviously, the cost of landscape insurance is determined by a variety of variables, including the following:
- The size of your company
- The kinds of projects you’re working on
- Your company’s location
- The amount of workers, payroll, and the kinds of tasks that your staff are doing are all factors to consider.
- The number and kinds of cars that are utilized at work.
As a result, the cost of running a landscaping company may range from $39 per month to several thousand per month. Below are the various estimates we got from the businesses above when we pulled quotations for a California-based landscaping company with three full-time workers and an annual revenue of $500,000:
|Companies that provide insurance||Insurance coverage for landscaping||Monthly cost|
|Thimble||Insurance for general liability||$390|
|Following Insurance||Insurance for general liability||$410|
|Liberty Mutual insures the insurance offered by CoverWallet.||General liability insurance||$807|
|Policy for Business Owners (BOP)||$889|
|Hiscox||General liability insurance||$520|
|Progressive||Commercial auto insurance||$286|
|The Hartford||Commercial property insurance||$252|
|Insurance for workers’ compensation||$4,180 for a family of four (3 employees and 1 owner)|
As you can see, various landscaping firms charge varying rates and expenses. Thimble’s pricing may be the lowest for the hypothetical company for which we sought bids, but it may not be the cheapest for your landscaping company.
If you want the greatest deal on landscaping insurance, check around with a few providers or a digital broker like CoverWallet. You may compare multiple quotes and choose the best one for your landscaping company.
Some of the most commonly asked questions regarding landscape insurance are included here.
How can you tell whether a landscaper is covered by insurance?
It is essential to verify that the specific person is insured in order to safeguard your company throughout a project. Requesting the insurance evidence, i.e. the certificate of insurance, is one of the most efficient methods to do this. The next step is to contact the insurance company to check that the policy is legitimate, that it will cover possible hazards to your property, and that the coverage is enough.
Is it necessary for landscape designers to be insured?
Landscape designers, like landscapers, need comparable insurance coverage. A landscape designer may also need various kinds of insurance, depending on the size and scope of their job. Professional liability insurance, on the other hand, is one of the most essential insurance plans for a landscape designer. It shields them from legal action stemming from their carelessness while on the job.
Is homeowner’s insurance going to cover landscaping?
Yes. Homeowner insurance may cover losses to your landscape as well as damages caused by tree removals, depending on your policy’s particular provisions. To be sure, speak with a representative at your homeowners’ insurance provider.
Landscaping damage is only covered by homeowners if it is caused by a natural disaster, not by a landscaper’s errors or carelessness, such as flooding.
- Lightning or fire
- An explosion has occurred.
- Civil turmoil or riot
- Theft or vandalism are two different things.
What’s your home worth? What’s your income? What’s your budget? What’s the size of your family? What’s your desired level of comfort? This week we’re going to look at the best insurance packages for different scenarios and see if we can come up with a package that fits your needs. Let’s begin.. Read more about progressive lawn care insurance and let us know what you think.
Frequently Asked Questions
What type of insurance do landscapers need?
Landscapers need to have general liability insurance.
Do landscape designers need insurance?
Yes, landscape designers do need to have insurance.
Is Thimble insurance legit?
Thimble is a scam, and the insurance they offer is not legitimate.
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