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Commercial auto insurance for landscaping businesses
Commercial auto insurance covers legal bills, medical expenses, and property damage if your landscaping business vehicle is involved in an accident.
Commercial auto insurance covers the vehicles you depend on
Your employees may be skilled drivers, but accidents can happen to anyone. A collision could lead to another motorist getting injured, or your landscaping truck or van being totaled.
An auto accident could cost your small business thousands of dollars, especially if someone is hurt. Compare that to the average commercial auto insurance premium of about $200 per month for landscaping businesses, and it’s easy to see why a commercial auto liability policy is the better deal.
How does commercial auto insurance protect your business?
Commercial auto insurance can help pay for lawsuits, property damage, and medical costs that arise from an accident involving a company vehicle. It also covers theft and vehicle damage from weather events and vandalism.
As a landscaping business owner, this policy can be tailored to fit your needs. For example, a tree service bucket truck that is used only occasionally may need less coverage than a pickup truck that transports tools on a daily basis.
Who needs commercial auto insurance?
Company-owned vehicles such as tree trimming trucks or a lawn care company’s fleet of vans must be covered by commercial auto insurance.
Commercial auto insurance may be required if you:
- Operate a bucket truck, chipper truck, or other machinery
- Transport tools and equipment
- Send employees on errands during work hours
State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.
Find commercial auto insurance requirements in your state
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What coverage can commercial auto provide for landscaping businesses?
You can tailor your commercial auto insurance policy to match the needs of your sprinkler installation company, lawn mowing company, or other landscaping business.
This policy typically covers:
Legal expenses
If your landscape design firm or other lawn care business is sued over an auto accident, legal expenses can pile up fast. You may also have to pay a settlement or court-ordered judgment.
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Medical expenses
If an accident injures the driver of your landscaping business vehicle or any passengers, your policy can cover the cost of medical care and help you avoid financial loss.
Collision
Collision coverage pays for damage to your truck or other work vehicle, regardless of who is at fault.
Uninsured motorists
This coverage pays for damage caused by uninsured drivers.
Non-collision damages
Comprehensive insurance covers non-collision damages, including fire, theft, and vandalism.
Personal vehicles may need additional coverage
Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own cars for business errands. Personal auto policies almost always exclude coverage for business use.
Hired and non-owned auto insurance (HNOA) provides liability coverage for landscaping experts who get into an accident while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.
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How much does commercial auto insurance cost for landscaping businesses?
Most landscaping businesses pay an average of $204 per month for commercial auto insurance, but you could pay more or less depending on your risks.
Landscaping business insurance costs are based on a few factors, including:
- Landscaping services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
- Coverage limits and deductible
Other important policies for landscapers
While commercial auto insurance is a must-have for small businesses that depend on a landscaping truck or van, it does not cover risks beyond those related to your vehicle.
Landscaping small business owners should also consider the following types of lawn care insurance policies and bonds:
- General liability insurance: This policy covers expenses related to customer bodily injuries and damage to a client's property, such as accidental damage to a customer's fence.
- Workers’ compensation insurance: Workers' compensation coverage is required in most states for businesses with employees. If a lawn care professional hurts their back while loading equipment or develops an illness from prolonged exposure to pesticides, workers’ comp would pay for their medical expenses as well as partial lost wages.
- Tools and equipment insurance: A type of inland marine insurance, this policy covers a landscaping contractor’s business property if it is lost, stolen, or damaged while it's in transit, stored off-site, or in use at a client's home or other jobsite.
- Business personal property (BPP): This endorsement to your general liability policy covers items owned by your business that are kept at a designated location, though your business might not have a building.
- Business owner's policy (BOP): A BOP bundles general liability coverage with commercial property insurance at a discount. It includes coverage for fires, theft, and other common property claims at your building.
- License and permit bonds: Landscaping professionals might need a surety bond to get a license in their state, or to do specific types of work.
- Mobile equipment endorsement: A mobile equipment endorsement extends your auto insurance coverage to include “non-auto” mobile equipment, such as an excavator or other earthmoving gear, while they are being driven on a public road.
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Once you find the landscaping insurance policies that fit your unique business needs, you can begin coverage and get a certificate of insurance in less than 24 hours, offering instant peace of mind.
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Updated: January 31, 2025
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