Insurance for landscapers
The policy has to change when the season does.
Mowing, hardscape, irrigation, small tree work, snow removal and equipment all bring different exposures. We make sure the policy keeps up.
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What we place
One policy for the season, the plow, and the sprayer.
- General liability for mowing, planting, hardscape, irrigation and listed small tree work.
- Equipment coverage for mowers, skid steers, trailers and the gear that gets you through the week.
- Snow removal coverage added before November, when many landscaping policies would otherwise exclude plowing.
What trips up your trade
Tree height, herbicide, and plowing change the answer.
- Tree work above a set height is often excluded unless it is specifically listed.
- Spraying pesticide or herbicide needs its own coverage and a state applicator license.
- Plowing is commonly excluded from a landscaping policy unless it is added before the snow arrives.
What we need to quote
Walk us through the year before the first snow falls.
- The work you do across the season, including hardscape, irrigation, tree work and plowing.
- Your equipment list, from mowers to skid steers and trailers.
- Whether you spray pesticide or herbicide and your applicator license information.
- Payroll, vehicles, and any subcontracted work.
- Current policy declarations, if you have them.
Bring your current declarations page if you have it, then show us the equipment, seasonal work, and services that change as the weather does.
Start my quote“
“Gus caught that our old policy did not cover plowing. We found out in October, not in January.”
Dana R.
Landscaping company owner, Brandon