Landscaping
Back to LandscapingGeneral Liability for Landscaping Businesses
Landscaping work happens on someone else’s property, surrounded by windows, cars, sprinkler heads and people walking by. General liability insurance helps protect your business when a client or other third party says your work injured them or damaged their property. Many homeowners, property managers and general contractors also ask to see proof of it before you start a job.
What It Covers
Property Damage
Helps pay for damage your crew causes to a client’s or neighbor’s property, such as a rock thrown by a mower that breaks a window or a windshield.
Bodily Injury
Helps pay for claims when someone who is not your employee gets hurt because of your work, such as a passerby tripping over a hose or equipment left on a walkway.
Completed Operations
Can help when finished work causes injury or damage later, such as a retaining wall that shifts or a loose paver that trips a guest. The cost to redo your own work is usually not covered.
Legal Defense Costs
Typically pays for attorneys and court costs to defend a covered claim, even if the claim turns out to be groundless.
Who Needs It
- Landscaping, lawn care and mowing crews working on residential and commercial properties.
- Hardscapers, patio builders and irrigation installers whose finished work stays on the client’s property.
- Businesses that must show a certificate of insurance to property managers, homeowners associations, municipalities or general contractors.
Optional Coverages
- Additional Insured EndorsementExtends coverage to a property manager, homeowners association or general contractor that asks to be named on your policy, as many commercial maintenance contracts require.
- Pesticide & Herbicide CoverageMany general liability policies exclude or limit claims from spraying pesticides, herbicides or fertilizers because of pollution exclusions. If you apply them, ask about a specific endorsement or separate pollution coverage.
- Commercial UmbrellaA separate policy that adds liability limits above your general liability, commercial auto and employer’s liability, which can help with larger commercial contracts.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Am I covered if I also do snow plowing in the winter?
Not automatically. Many carriers treat snow and ice removal as a separate, higher-risk operation because of slip-and-fall claims, and some exclude it or require it to be disclosed and rated. If you plow, shovel or salt for clients, tell your agent so the policy reflects that work.
What about tree trimming or tree removal?
Many landscaping policies limit tree work, for example by height, or exclude tree removal because it carries more risk. If your crew trims, climbs or takes down trees, mention it when you request a quote. Some carriers write that work, and others may require a separate policy.
Does general liability cover my crew if they get hurt on the job?
No. Injuries to your own employees are typically covered by workers’ compensation, which New York law requires most employers to carry. General liability is designed for claims from third parties, such as clients, neighbors and passersby.
Ready to Get Started?
Get a personalized General Liability quote or speak with one of our experienced agents.