Best Insurance Options for Landscaping Installation Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Landscaping installation contractors face unique risks, from handling heavy machinery and transporting plants to working on client property in varying conditions. While basic insurance covers some risks, the best insurance options go beyond the minimum to protect your business, employees, and clients. Here’s a strategic guide for landscaping installation contractors looking to secure comprehensive coverage, with an easy path to a quote from Wexford Insurance.
Even the most careful contractor can accidentally damage a client’s property or cause minor injuries. General liability insurance protects against:
Property damage
Bodily injury
Legal defense costs
This insurance is essential not only for protection but also to qualify for larger projects and commercial contracts.
Landscaping installation involves physical labor and the use of heavy tools, increasing the risk of injury. Workers’ compensation insurance covers:
Medical expenses for injured employees
Lost wages during recovery
Employer liability
Even if your state doesn’t mandate it for small crews, having workers’ comp demonstrates professionalism and reassures clients.
Transporting tools, materials, and plants in trucks or vans exposes contractors to risks on the road. Commercial auto insurance protects:
Company vehicles in accidents
Injuries caused while driving for business purposes
Vehicle repairs or replacement
This coverage is separate from personal auto insurance, which typically excludes business use.
Landscaping installation relies heavily on specialized equipment, from trencher machines to power tools. Tools and equipment insurance helps cover:
Theft from vehicles or job sites
Accidental damage
Replacement costs for broken or lost equipment
This ensures that a single incident doesn’t halt your business operations.
For smaller or mid-sized landscaping contractors, a BOP combines general liability and commercial property coverage into a single, cost-effective policy. It simplifies insurance management while still providing comprehensive protection.
How to Choose the Best Options
Assess your risks – Consider the size of your crew, types of projects, and tools used
Prioritize coverage – Start with general liability, workers’ comp, and tools coverage
Consult an expert – Wexford Insurance specializes in contractor insurance and can help match coverage to your business needs
Request a free landscaping contractor insurance quote from Wexford Insurance today.
