General liability insurance for landscapers

Because landscaping takes place at customers’ homes and businesses, third-party injuries and property damage are a serious risk. A client could trip in a hole you dug and break a leg, or a tractor could back into a client's fence.

General liability insurance can help cover a customer's medical bills or repairs to damaged property, along with legal costs if you're sued. This policy helps you avoid financial losses by paying for:

• Customer injuries
• Customer property damage
• Advertising injuries

Your landscaping business might need a general liability insurance policy to secure a commercial lease, loan, or client contract. General liability coverage helps you meet these requirements and provides peace of mind with protection for the most common third-party risks.

If you own a small, low-risk business, you may be able to bundle general liability insurance and commercial property insurance in a business owner’s policy (BOP) for a lower premium than purchasing each policy separately.

This type of landscaping insurance policy provides small business owners with coverage for their building and its contents in addition to liability protection. For example, if you damage a client’s property, it would help pay for any legal fees. If a tree falls on your building during a storm, it would also cover the cost of repairs.

Landscaping businesses that are eligible for a BOP typically:

• Have fewer than 100 employees
• Have a small office
• Make less than $1 million in annual revenue
• Operate in a low-risk industry
• Need less than 12 months of business interruption insurance

A licensed Insureon insurance agent can help you find the right property and liability coverage for your landscaping company.

A general liability policy protects your landscaping business from common liabilities involving customers and other people outside your business.

This includes:

If a client is injured by a rock kicked up by your lawn mower, your business might have to pay significant medical and legal expenses. General liability insurance covers:

• Attorney fees
• Settlements
• Court-ordered judgments
• Medical costs
• Funeral expenses in fatal incidents

This policy does not cover employee injuries. For that, you’ll need workers’ compensation coverage.

General liability insurance coverage protects landscaping businesses when customer property is damaged. For example, if an employee loses control of a leaf blower and damages a client’s window, your general liability policy would pay for repairing the glass.

This policy can also cover legal expenses if a client sues to recoup costs.

While advertising your landscaping services, it’s possible to unknowingly imitate a competitor’s slogan or logo. Accidental advertising injuries are covered by general liability insurance.

This includes:

• Defamation, both libel (written) and slander (spoken)
• Copyright infringement

If your company is working to gain clients with newspaper ads, social media posts, or other advertising, it’s important to have this policy in place.

Are you ready to safeguard your irrigation, landscape design, tree service or other lawn care business with general liability insurance?

Complete Insureon’s easy online application to compare quotes from top U.S. insurance companies. A licensed insurance agent is available to discuss business insurance costs and answer all of your questions.

Once you find the landscaping business insurance policies that fit your unique business needs and budget, you can begin coverage and get a certificate of insurance in less than 24 hours.