Drywall Contractors Insurance

Insurance built for landscaping and lawn care businesses

Landscaping crews work on other people’s property every day with mowers, trimmers, chainsaws, and chemicals — around customers, pets, vehicles, and glass. A thrown rock from a mower, a felled limb on a roof, or a fertilizer mishap can each turn into a liability claim.

We build insurance programs for landscapers, lawn care companies, hardscapers, and irrigation installers, comparing multiple A-rated carriers to fit coverage to your seasonal, crew-based operation.

Key risks we cover

• Property damage — thrown objects from mowers, tree limbs, and hardscape work that damage homes, vehicles, and windows.
• Third-party injuries — customers, pets, or bystanders injured by equipment or materials.
• Employee injuries — cuts, strains, heat illness, and equipment injuries drive workers comp claims.
• Equipment and trailer theft — mowers and trailers are prime theft targets.
• Chemical and pesticide exposure — claims arising from fertilizer and herbicide applications.

Recommended coverages

• General Liability — third-party injury and property damage — the coverage every commercial account requires.
• Workers’ Compensation — required in most states once you have employees; critical for crew-based seasonal labor.
• Commercial Auto — trucks and trailers hauling crews and equipment.
• Inland Marine (Tools & Equipment) — mowers, trimmers, and equipment on trailers and job sites.
• Umbrella / Excess Liability — extra limits for municipal and commercial contracts.

How much does landscaping insurance cost?

Premiums depend on payroll, services offered (mowing vs. tree work vs. chemical application), equipment values, and your state. Comparing quotes from multiple A-rated carriers is the most reliable way to get the right price. Complete our quick quote form and we’ll shop the market for you.

Frequently asked questions

Do landscapers need insurance to work on commercial properties?

Yes — property managers, HOAs, and municipalities require a certificate of insurance, usually with $1M/$2M general liability limits, before awarding contracts.

Is my equipment covered if it’s stolen from a trailer?

Inland marine (tools and equipment) coverage protects mowers and equipment on trailers, at job sites, and in storage — general liability alone does not.

Does insurance cover pesticide and fertilizer applications?

Standard policies vary on chemical applications. Tell us about your services and we’ll make sure your program covers them correctly.