Landscaping contractor insurance for crews, equipment and client properties
Coverage for lawn care professionals, landscape designers and grounds maintenance companies, from solo operators to large commercial crews. We build programs around your services, your equipment and the seasonal way your business runs.
Same-day certificates for commercial contracts
Insurance built for the way landscapers work
Landscaping contractors run heavy equipment on client properties and manage crews in changing conditions every day. A single accident, property damage claim or equipment theft can set a business back a long way without the right coverage.
We work with landscaping professionals throughout the Pacific Northwest and understand the seasonal nature of the work, the investment in equipment and the liability exposures on each job site.
Common landscaping risks
- Property damage from equipment or chemicals
- Employee injuries from machinery or falls
- Equipment theft from trucks or job sites
- Third-party injuries on client properties
- Vehicle accidents while towing trailers
- Underground utility line strikes
Essential coverage for landscapers
Protection shaped around the risks of landscaping and lawn care businesses.
General liability
Third-party bodily injury and property damage claims, such as a client tripping over equipment or damage to a customer's property during work.
Commercial auto
Trucks, vans and vehicles used in your business, including while towing trailers and moving equipment between job sites.
Inland marine / equipment
Mowers, trimmers, blowers, trailers and other equipment at your shop, on your truck or at a job site, against theft, damage and breakdown.
Workers' compensation
Required coverage for employee injuries. Landscaping has one of the higher injury rates, and this covers medical costs and lost wages.
Professional liability
Also called errors and omissions. Covers claims from design mistakes, improper plant selection or failed installations, which matters most for landscape architects and designers.
Commercial property
Your office, shop, storage buildings and inventory against fire, theft, vandalism and weather, including business personal property.
Landscaping businesses we insure
From solo operators to large commercial crews.
Solo operators
Owner-operators and one-person lawn care businesses.
Lawn care companies
Mowing, edging and basic maintenance services.
Full-service landscapers
Design, installation and maintenance providers.
Landscape architects
Design professionals and project planners.
Seasonal services
Snow removal and seasonal cleanup specialists.
Irrigation contractors
Sprinkler system installation and repair.
Hardscape installers
Patios, retaining walls and outdoor structures.
Tree services
Trimming, removal and arborist services.
Coverage for all your services
Whether you mow lawns or build outdoor living spaces, we structure coverage to match the full scope of your work, with endorsements for higher-risk activities.
Lawn maintenance
- Mowing and edging
- Fertilization
- Weed control
Planting and gardens
- Flower beds
- Shrub installation
- Sod and seeding
Hardscaping
- Patios and walkways
- Retaining walls
- Outdoor kitchens
Seasonal services
- Snow removal
- Fall cleanup
- Holiday lighting
Additional coverages available
- Pesticide applicator
- Pollution liability
- Underground utilities
- Hired and non-owned auto
- Equipment breakdown
- Care, custody and control
- Cyber liability
- Employment practices
Working with First Underwriters
Green industry experience
We know landscaping risks, from seasonal swings to equipment needs to the liability exposures of outdoor work.
Multiple carrier options
Access to more than 50 carriers helps us place harder risks such as tree work, pesticide application or new businesses.
Same-day certificates
Certificates of insurance for commercial contracts the day you need them.
Claims support
We help you work through claims efficiently to keep disruption to your business low.
Landscaping insurance questions
How much does landscaping insurance cost?
Do I need insurance if I'm just mowing lawns?
Is my equipment covered while it's on my truck or trailer?
What if I hit an underground sprinkler line or utility?
Do I need workers' comp if I only have part-time employees?
Get your landscaping insurance quote
Tell us about your services, crews and equipment, and we'll compare options across our carriers.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Cost ranges are general examples, not quotes or representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.