Tools and equipment insurance for lawn care and landscaping contractors

Commercial property insurance covers your building (if you own it) and its contents, but it doesn’t cover mobile property.

Whether you provide lawn maintenance or tree removal services, your landscaping business likely involves transporting equipment, tools, and other supplies from one job site to another. That's why you may need contractor’s tools and equipment insurance, which covers work items no matter where you take them.

This policy typically provides coverage for:

• Powered equipment, such as lawn mowers and leaf blowers
• Hand tools, such as shovels, rakes, and hoes
• Equipment you lease to others

It helps covers the gaps in both commercial property and homeowner's policies in protecting your business property.

If you run a small landscaping business, you may want to look into adding tools and equipment insurance to your general liability insurance or business owner's policy (BOP). This insurance provides coverage for up to $10,000.

Tools and equipment insurance is a type of inland marine insurance designed specifically for contracting and construction businesses. Talk to a licensed Insureon agent about contractor’s equipment coverage for your lawn care or landscaping business.

When you apply for tools and equipment insurance, you’ll provide an estimate of how much your landscaping equipment is worth. A licensed Insureon agent will help you secure a policy that matches your business risk and equipment value. You'll get the right amount of protection, without paying for more than you need.

Contractor’s tools and equipment insurance protects the equipment you need to run your business, but it doesn’t cover other common risks and has some exclusions.

To fully protect your company, landscaping business owners should also consider the following small business insurance policies:

General liability insurance: This liability policy covers expenses related to customer bodily injuries and property damage, such as medical bills or property repair expenses.

Business owner's policy: A BOP bundles general liability coverage with commercial property insurance at a discount. It includes coverage for fires, theft, and other common losses.

Commercial auto insurance: Required in most states, commercial auto insurance covers vehicles owned by your lawn care company. It can pay for injuries and property damage in an accident, along with vehicle theft, weather damage, and vandalism. 

Workers’ compensation insurance: Workers' compensation coverage is required in most states for businesses with employees. If a landscaper 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.

Cyber insurance: This type of coverage helps small business owners recover financial losses from data breaches and cyberattacks. It covers customer notification costs, cyberextortion payments, legal fees, and other expenses related to a cyber incident.

License and permit bonds: Lawn care business owners might need a surety bond to get a license in their state, or to do specific types of work.

Are you ready to safeguard your landscaping company with the right tools and equipment coverage?

Complete Insureon’s easy online application to compare quotes from top U.S. insurance companies. A licensed insurance agent is available to discuss the best types of insurance coverages for your company based on the lawn care services you provide and your business operations.

Once you find the lawn care business insurance policies that fit your unique business needs, you can begin coverage and get a certificate of insurance (COI) in less than 24 hours, offering instant peace of mind.