Everything You Need to Know About Landscaping Insurance

By: Tim Kane, LIA, AAI, ARM

Tim Kane comes to C&S with over 30 years of experience, specializing in arborist insurance, landscapers’ insurance, snow removal insurance and general contractor insurance.

Landscaping is more than just transforming outdoor spaces; it’s about creating beautiful and functional environments that enhance your clients’ lives. But much like any business, landscaping has its own set of risks and liabilities. Accidents can happen from property damage to bodily injury, and it’s important to be prepared with the right type of insurance. In this blog post, we’ll explore the importance of landscaping liability insurance and how it can protect both your business and your clients.

Understanding Landscaping Liability Insurance

Insurance can be overwhelming for business owners, but we’re here to help you ensure your company isn’t left in a vulnerable position. If you own a landscaping business, you’ve probably been told to consider liability insurance. It’s a crucial tool for mitigating the financial risks associated with landscaping liabilities. The typical coverages provided through landscape liability insurance include bodily injury, personal injury, and medical costs.

Here are two key types of insurance coverage that you should consider for your landscaping business:

  • General Liability Insurance: This type of insurance protects your business from third-party claims for bodily injury and property damage. It covers legal fees, settlements, and medical expenses if someone is injured or their property is damaged due to your landscaping work.
  • Professional Liability Insurance: Also known as errors and omissions insurance, this coverage protects you from claims related to mistakes or negligence in your professional services, such as faulty landscape design or installation.

We also recommend a policy that includes:

  • Commercial Property Insurance: This insurance protects your business property, such as tools, equipment, and vehicles, against damage or loss from events like fire, theft, or vandalism.
  • Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance covers medical expenses and lost wages if they are injured on the job. It also protects your business from lawsuits related to workplace injuries.

Tips for Managing Landscaping Liabilities

In addition to having the right insurance coverage, here are some tips for managing landscaping liabilities effectively:

  • Implement Safety Protocols: Train your employees on proper safety procedures and provide them with the necessary personal protective equipment (PPE) to minimize the risk of accidents and injuries.
  • Communicate with Clients: Keep your clients informed about your work processes, timelines, and any potential risks associated with the project. Establish clear expectations and address any concerns upfront to prevent misunderstandings or disputes later on.
  • Maintain Detailed Documentation: Keep detailed records of all transactions, contracts, and communications between your company and clients. This documentation can serve as evidence in case of disputes or legal claims.
  • Inspect Equipment Frequently: Regularly inspect your equipment, tools, and job sites to ensure they are in good working condition and free from hazards. Promptly address any maintenance issues to prevent accidents or property damage.


Investing in the right insurance coverage and implementing effective risk management strategies can protect your business against unexpected events and give you and your clients peace of mind. Start protecting your business today and watch your business grow and thrive.