What Kind of Insurance Do I Need for a Landscaping Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 29
- 3 min read
If you're starting a landscaping business, one of the most important steps you can take is protecting your company with the right insurance. Whether you offer lawn care, hardscaping, irrigation installation, tree trimming, or garden maintenance, your work involves physical labor, expensive equipment, and potential liability risks.
In this guide, we’ll break down the essential types of landscaping contractor insurance, why they matter, and how Wexford Insurance—a niche-focused agency in the landscaping and outdoor services industry—can help you get the coverage you need to operate with confidence.
Why Landscaping Businesses Need Insurance
Landscaping may seem low-risk, but it comes with real exposure to:
Property damage (e.g., broken windows, sprinkler system mishaps)
Bodily injury (e.g., a client trips over your equipment)
Equipment theft or breakdown
Vehicle accidents while transporting tools
Employee injuries on the job
Without proper insurance, a single incident could cost thousands—or even shut down your business.
📘 Learn more about landscaping industry risks from OSHA
Essential Insurance Coverage for Landscaping Businesses
Here are the core insurance policies every landscaping contractor should consider:
This is the foundation of your business protection. It covers:
Third-party property damage
Bodily injury to clients or bystanders
Legal fees if you're sued
Example: A lawn mower kicks up a rock and breaks a client’s window. General liability covers the repair.
If you use trucks, trailers, or vans to transport equipment or employees, personal auto insurance won’t cover business-related accidents.
Commercial auto insurance covers:
Vehicle damage
Liability for accidents
Theft or vandalism
Landscaping tools are expensive—and often targeted for theft. This policy covers:
Stolen or damaged tools
Equipment breakdown
Replacement costs
Tip: Keep an inventory of your tools and receipts for faster claims processing.
If you hire employees, most states require workers comp. It covers:
Medical expenses for work-related injuries
Lost wages
Legal costs if an employee sues
Example: An employee strains their back while lifting sod. Workers comp covers treatment and recovery time.
If you operate from a physical location—like a garage, warehouse, or office—this policy protects:
Buildings
Inventory
Office equipment
Landscaping materials stored on-site
Optional Coverage to Consider
Umbrella Insurance – Adds extra liability protection beyond your base policies
Cyber Liability Insurance – If you store customer data or accept online payments
How Wexford Insurance Helps Landscaping Contractors
At Wexford Insurance, we specialize in helping landscaping businesses find tailored insurance solutions. We work with top carriers to match you with the right coverage—whether you're just starting out or scaling your operations.
We understand the unique risks of:
Lawn care and maintenance
Tree trimming and removal
Irrigation system installation
Hardscaping and outdoor construction
Residential and commercial landscaping
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart investment in your landscaping business. With the right coverage, you can protect your tools, your team, and your reputation while focusing on growing your company.
Let Wexford Insurance help you build a strong foundation with a policy designed specifically for landscaping contractors.
Contact Wexford Insurance today.
