Landscaping Insurance: Definition, Cost & Providers

Cody Cromwell
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How Landscaping Insurance Works

Landscaping Insurance is a relatively new insurance product in the marketplace. It is most often referred to as landscape insurance or yard insurance. There are several different ways in which landscaping insurance works. They are listed below:

Landscaping insurance is purchased on or off the plan. In other words, you can purchase a policy that covers all of your landscaping insurance needs or you can buy only what you actually need. Although this is common with most homeowner insurance policies, it doesn’t exist in the landscape insurance industry.

In other words, you can purchase a policy that covers all of your landscaping insurance needs or you can buy only what you actually need. Although this is common with most homeowner insurance policies, it doesn’t exist in the landscape insurance industry. </span></p>

Generally, landscape insurance covers destruction or damage to the plants and landscaping. Damage to sod and rocks may also be included. Coverage is usually provided for general damage, but there are usually limits based on the specific type of property and the type of plants.

Liability coverage is also available for landscaping insurance. In other words, the policy may cover your liability claim to your neighbor after you accidentally damage their yard.

Who Needs Landscaping Insurance

A lot of people are interested in buying a new house and landscaping their new space. This includes adding a patio, installing a new garden, or getting a play area for the kids.

Among all the expenses, a landscaper’s services usually get the most attention. You may spend thousands of dollars on your landscape, and you definitely want your hard-earned money to go towards something you believe is worth the investment. So, the very first items on your priority list should be to make sure you’re choosing a company that will provide a quality service.

It is also important that the landscape company is properly insured. If a simple accident occurs on your property, the landscaper will need to file a claim.

The situation can become even worse if a health hazard is involved. The landscaper must ensure that he or she works with the proper tools and equipment, and he or she must make sure the work area is relatively clean. The landscaper must demonstrate that the work is being done in a safe manner. A properly insured landscaper can also help in the case that an injury occurs due to poor workmanship.

Landscaping Insurance Costs

Landscape insurance is a specialized form of property insurance that protects against damages to your landscape, including trees, shrubs, grass, or other plants. There are three kinds of landscape insurance coverage – personal liability, public liability and recreational equipment.

Personal liability protects homeowners and their families as they maintain or work on their landscaping. Homeowners’ coverage would cover liability related to injuries or death to a person or damage to property after someone has come into contact with your landscape or the equipment used to maintain the landscape.

Public liability, as the name suggests, protects the landscape itself. Once someone is injured, the theory is that the injury was due to a defect in the design or construction of the landscape. Coverage for public liability is available for property owners, landscapers and rental property managers.

Recreational equipment is designed to protect outdoor sporting equipment that owners regularly use for fishing, boating, bird watching, hiking or riding. Although this equipment might seem like it’s a necessary part of the landscape, most property owners don’t have regular access to this equipment.

So, if someone were to injure themself, they might feel their deductible is too high and excuse themselves from making a claim. The tool and turf policy provides coverage for recreational equipment and is usually a very affordable choice for homeowners.

Lawn Care Business Insurance Costs by Policy

If you are in the lawn care business with a commercial policy, the coverage you have will depend on the type of insurance you have. Different types of policies have different coverage requirements. Let’s take a look at the different types of policies.

Managed Services Insurance (MSI) Business Policies

Managed services insurance, or MSI, is a commercial insurance policy that covers businesses that provide specialized lawn care services. A MSI policy will typically cover a company’s services, equipment, inventory, and vehicles within a specified geographical region. A MSI policy typically covers the procedures used and the materials used to maintain a property, such as hedges or trees.

MSI policies cover a wide range of expenses including wages and materials for employees, liability, and property damage from customers or third parties. An important benefit of a MSI policy is that, unlike a standard property and casualty policy, it covers a company’s employees as well. Many states have laws that require companies to carry liability coverage on all their employees. While many property and casualty policies don’t include liability coverage, a MSI policy does.

Property and Casualty Policies

The property and casualty clause of a typical business liability policy covers the physical property of a company or its employees. This policy does not cover an injured employee with respect to his or her work-related injuries.

Top Lawn Care Insurance Providers

If you own a lawn, chances are you’ve considered landscaping insurance. Like home insurance, landscaping insurance protects your property from damage caused by landscapers, Animals and Vandalism. Both types of insurance are valuable in protecting the investment you’ve made.

Being proactive about landscaping coverage and the insurance companies available to you is the best way to get the best coverage at the best price. Whether you’re just starting to research the cost of landscaping insurance, or you have already begun the process, this guide will help you.

What Is Landscaping Insurance

Landscaping Insurance is insurance that protects home owners from damage to their properties caused by animals (such as goats), vandalism and landscapers.

As an example, landscaper damages caused by landscaping equipment would be excluded from standard home insurance coverage.

Also excluded from a standard home insurance policy are cracks in the foundation caused by frost, mudslides and more.

Advantages of Having Landscaping Insurance

A landscaper damaging your home’s foundation from climbing up a tree to trim branches could result in the need to rebuild the entire structure. Landscaping insurance can help protect your home as you repair the damage, as well as help you save money by paying lower rates for repairs because you’re covered.


It’s easier than ever for homeowners to buy landscape insurance. Since we’re in a low-interest-rate world, few consumers shy away from the idea of mortgaging their house to invest in a home improvement project, and landscaping is the most common home improvement project. Changing your landscape can do wonders for a home’s curb appeal.

And, as a result, homeowners are more attracted to landscaping insurance. But many struggle to understand what landscaping insurance covers. Are there any exclusions and what is the cost of coverage?

What is landscaping insurance?

Landscaping insurance is insurance covering damage on a home’s exterior as a result of a landscaping policy. It protects the homeowner from loss resulting from a tree falling, a storm, an added sprinkler system, or some other unforeseen development.

The homeowner pays a premium that is covered in case of unfortunate circumstances such as a tree falling during a storm. If a tree falls on your house, you are covered for damages or loss of value.

The Hartford

Group, LifeUSA, and Total Property & Casualty.


Agency, Field, and Sidewalk Coverage.

Agency, Field, and Sidewalk Coverage.

Agency, Field, and Sidewalk Coverage.

Agency, Field, and Sidewalk Coverage.

Agency, Field, and Sidewalk Coverage.

Agency, Field, and Sidewalk Coverage.


Preserving your landscaping is an important decision for you. You wouldn’t want to take any risks, would you? Or maybe you doubt your ability to take the right decisions in these matters. In the insurance field, buying a policy is known as a decision involving risk. As exciting as it might seem, it’s also about making the right decision. At any given point in time, a client needs to assess his or her risk and pay accordingly. With this in mind, if you’re looking for landscaping insurance, these are some aspects to consider:

What happens if you damage your landscaping?

Walkways, patios and pathways can be costly. This is why you need to make sure that you pay for the damages. You can buy a policy that covers landscaping and home damage. It pays your damages at a set amount if you suffer a loss during a specific period (for instance, the policy covers you for a year). But the policy won’t cover damages done to your lawn and furniture. If you have questions about the coverage, make sure to ask when you purchase the policy.

How much would you like to pay?

You might be surprised to know that landscaping insurance comes with a wide price range. If you live in a small apartment, you can probably buy the most affordable policy.

Progressive Commercial

A landscaping business could take two forms …a brick and mortar landscape company that grows plants in a greenhouse or nursery, or an interior designer who creates and sells interior decorating designs and products. While the landscaping landscape business offers a more diversified view of landscaping, interior designers tend to be the focus of the landscaping insurance provided by the landscaping insurance provider.

Progressive Property & Casualty Insurance companies provide insurance for both landscape businesses and interior designers. They offer commercial property insurance to cover the cost of buildings, real estate and equipment. They also provide general liability insurance which covers the cost of claims made against the business either by their customers, subcontractors or other companies. They also offer coverage for business income, computer equipment and employee benefits.

They provide professional liability insurance which covers the cost of claims made against an interior designer because they’re designing a project for a client. They provide commercial auto insurance and they also offer specifications coverage which covers the cost of claims made against projects because the interior designer inadvertently used the same color, pattern or design on another project.

Bolt Insurance

While decks and patios are often a popular feature of home landscaping design, they also present homeowners with insurance challenges.

Decks and patios are most often located on the exterior of the home, and they can be the target of a variety of accidents, including:

  • Ö fire
  • Ö vandalism
  • Ö weather damage
  • Ö earthquakes
  • Ö thunder and lightning
  • Ö snow and ice
  • Ö rising water
  • Bolt Insurance for Backyard Decks

To ensure that your mortgage needs are protected, some insurance companies offer bolt insurance for decks and patios. Bolt insurance is a rider added to your homeowners insurance policy to cover contractor fees related to repairing a deck or patio damaged by a covered claim.

Typically, the deductible on bolt insurance is met or exceeded by the cost of repairing a damaged deck or patio. Therefore, the contractor expenses are covered by the policy. However, additional features can impact the final cost of the deductible. Features that reduce the cost of the deductible, such as adding additional coverage for damaged landscape, would be useful.

Landscaping insurance may also provide protection against damage caused by drainage pipes, since they are vulnerable to damage caused by buried utilities.

Lawn Care Business Insurance Policies

If you’re looking for an insurance policy to cover the liability of your landscaping business, this article can help.

In the state of Illinois – where we live and raise our healthy happy and furry family – it is a common practice to use a standard homeowner’s policy to cover the liabilities of a residential property. Some specific exclusions are allowed such as the grass and ornamental trees, but there’s normally enough coverage for liability related to a property.

However, there are a few things to keep in mind:

Why Is It Useful?

{1}. If you have a real estate property and you’re contacted by your tenant’s insurance company who wants you to show your liability policy regarding the property, you’ll know that you’re covered.
{2}. You’ll know that your insurance company will defend you if an individual is injured while maintaining the property.
{3}. The policy will include a small deductible. Insurers take that risk because there is the possibility that you will make a claim. If that claim is not made, chances are you will be protected from paying all the costs of the claim – not just your deductible.

Common Lawn Care Insurance Policies

A landscaping policy is a package that covers the purchase of land, construction, removal and restoration costs for the homeowner. Other factors such as the building materials and the type of owner (single family, condominium, etc.) can also determine what insurance costs will be.

The most common types of policies for landscaping insurance coverage include commercial business insurance, home variable policies, or standard policies. The former typically is for larger businesses with small commercial buildings, while the latter is for houses and residential buildings.

Nowadays, more and more homeowners are looking for insurance policies as opposed to homeowners’ insurance. The main reason is that landscaping insurance policies cover things like the landscape design and construction of a home and have reduced the need for homeowners’ insurance due to the fact that it can make all the difference. There is also a lot of talk about the price of policies since homeowners are less likely to make the switch from their existing homeowners’ policies.

Commercial General Liability

Commercial General Liability insurance covers your business’s losses caused by anything the client could do to you.

Important Stuff You Need to Know …

All General Liability policies offer the minimum legally required coverage:

  • For bodily injury from accident or occurrences,
  • and for damage to the property of your customer.
  • It covers business property in the same way it covers your own.
  • The policy pays for medical expenses for anyone injured on your premises or property.
  • It pays to repair any property you’ve damaged, as well as pay for damage that your guests or customers damage.

Property Coverage

To be specific, general property coverage protects against property damage to your customer’s property.

Property is any building, attached structure, permanent fixture or part thereof, or land. Strictly speaking, it also includes any animals, vehicles, machinery and other items of personal property on your premises. Any object owned by your customer. It’s also the amount of property damage covered that will depend on the type of business you own.

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Commercial Property Insurance

Vs. Homeowner’s Insurance

Landscaping insurance is a very broad term. In essence, the insurance policy covers damage or property loss by fire, hurricane, hail, earthquake, and vandalism. Although the policy does not cover damages in the event of theft, your landscaping insurance may also provide liability coverage for injuries and property damage to others resulting from accidents or damage requiring repair of a fixture on your property.

Landscaping insurance helps protect your business from losses due to property damage as a result of any covered perils. They may also provide coverage for your employees. In many cases, landscaping insurance can also provide property coverage for liability or bodily injury claims and for personal belongings of your employees.

When you have landscaping insurance, you’ll notice that there are several different types of coverage, depending on your level of risk and what’s right for your business.

While some policies provide coverage limits, others may require a deductible and material required for claims administration. If your business has landscaping, you may also want to consider adding a blanket business interruption insurance. In some cases, you may be able to use a commercial umbrella policy to cover many types of loses in the event of property damage or commercial interruption. Commercial umbrella policies are designed to help you meet your business requirements for taking on a broader set of risks.

Inland Marine Insurance

Where Does it Come From?

Inland Marine Insurance is a product sold by many insurance companies. It is intended to protect coastal properties, and its insurance coverage can vary based on the particular company. For example, an insurance company could offer a general coastal line of Inland Marine Insurance, or it could specialize in certain areas of the coast. Consequently, this coverage is usually offered on coastal property, but can also be available for other inland locations.

Inland Marine Insurance is largely sold for coastal protection. In addition to federal laws, the insurance industry tries to account for future changes in a property’s value by referring to these laws. However, it is up to the insurance company to determine the coverage for coastal property for which it sells this type of coverage. It may be the case that an insurance policy does not have adequate protection for a particular coastal property. It could also be the case that there is a clause within the terms and conditions of the policy, which would exclude coastal property. It is important that a potential buyer is aware of the potential exclusions of Inland Marine Insurance and ensures that they will have adequate coverage.

Consequently, Inland Marine Insurance is available for coastal properties. Inland properties, located inland from the coast, are typically covered by other types of insurance policies. If the property is not located directly on the Gulf of Mexico, then it does not need to be covered by an Inland Marine policy.

Commercial Vehicle Insurance

Commercial vehicle insurance is a type of insurance designed to cover losses due to an accident involving your company’s commercial assets.

Commercial insurance for auto, truck, trailer, van, motorcycle, moped, and other vehicles ensures liability protection. Yet, liability protection alone does not provide roadside assistance.

Since liability coverage doesn’t cover damage to the vehicle when you’re involved in an accident – not including a collision or rollover – you should buy additional insurance for this.

Also, your liability coverage doesn’t pay for damages to others, only you. It will cover you when you are liable for a wreck or an accident, but it won’t handle expenses associated with injuries to others or damage to someone else’s property. You’ll have to buy your own collision and optional comprehensive insurance to protect these and other damages.

You can use commercial insurance to protect:

  • Your business, if you own or lease the vehicle
  • Employees who drive for your business
  • Your business assets, such as tools, equipment, cars, vans, and trailers
  • Your business’s passengers

You can also use commercial insurance to:

Workers’ Compensation Insurance

Vs. Homeowner’s Insurance

Workers’ compensation insurance is a type of insurance that can help make the financial difference when an employee suffers an on-the-job injury. If you’re an employer, Workers’ Compensation insurance can be paid by your business and is provided by the state of Iowa for eligible Iowans‗regardless of who may be responsible for the injury.

Homeowner’s insurance, however, is a type of insurance that can assist in the case of an injury or homeowners’ property damage outside the home. It is paid for with the insurance policy of your homeowners’ association (if you live in a condominium). There are other important differences between these two types of insurance, so be sure to consider all the facts, get all the information, and proceed with caution if you choose to make the switch.

Homeowner’s insurance typically is less expensive than the related workers’ compensation and workers’ compensation insurance pays for all eligible expenses incurred due to an accident or injury that results in death. Also, under workers’ compensation legislation in the state of Iowa, there is no time limit as to when the claim must be made or resolved. The employer is usually required to file the claim.

Commercial Umbrella Insurance

A Good Choice for Business Owners

In a tough economy, many small businesses find themselves struggling as the effects of high costs and a lack of revenue trickle down into every aspect of the business. Because of that, many business owners have been turning to commercial umbrella insurance policies to shore up their businesses’ protection.

Umbrella insurance is a type of insurance that offers much needed financial security to business owners. Generally, umbrella policies are a form of excess insurance, providing more coverage than a standard commercial business insurance policy.

Umbrella insurance coverage usually extends to non-owned assets owned by a company. For instance, if your business has an office in which you store some of your business assets, the umbrella insurance policy would usually protect that property.

Umbrella insurance is also an especially popular type of policy for businesses with high value products or services. The umbrella insurance policy can offer broader coverage such as employee benefits.

When purchasing an umbrella policy, the ability to expand versus reduction of coverage is usually what makes or breaks your decision. A good umbrella policy will allow you to choose the amount of coverage you need to protect your business and personal assets. There are also many factors particular to your industry that must be considered, such as office space, electronics and equipment needed, construction projects and more.

Surety Bonds vs Landscaping Insurance

Are they the same?

A surety bond, also known as a materialman’s risk bond, is a guarantee placed by the owner of a construction project that the work will be performed as specified. The owner takes out the bond from a surety company and gives a prebonded contract to the building owner.

With a landscape bond, the contractor promises to perform services and deliver work as specified in the contract. The client pays a flat fee to the contractor for a guarantee that he or she will do the work.

Landscaping insurance is a form of liability insurance. It covers the owner of the landscaping for any damage from any form of property, liability, personal injury, and third party liability. The damage to the landscaping can be from accidental activities and/or natural weather and climatic events. This type of insurance is primary, meaning the insurance each pay claim is split between the client and contractor. Landscaping insurance is best suited for larger projects or multiple properties with a contractor.

A surety bond is a type of contract where the owner of a property gives a prebonded indemnity (guarantee) or protection to another party. The owner takes out the bond from a surety company and gives a prebonded contract to the building owner. The surety company becomes the owner of the property during the project’s construction.

Lawn Care Insurance Frequently Asked Questions (FAQs)

Landscaping is one of the main activities that require a lot of money. Gardening is the biggest investments on your home since they include not just the material that you need but also the time and effort in maintaining the garden.

No wonder, it is one of the most important areas that can contribute to a beautiful home and a comfortable living environment. There are many different types of maintenance you need to do on your lawn to keep it beautiful and green.

Most of the time, we tend to forget about the importance of lawn maintenance and care because there are many other indoor activities that tend to tie our time and efforts.

However, it is really one of the main focus and can bring out the best in your lawn (and in your house as well).

Regardless of the type of maintenance you need to do on the lawn, here are some of the most frequent questions about lawn care insurance so you can get the answers you need.

What exactly is lawn care insurance?

Landscaping coverage is insurance designed to protect the owner of the residential property against the vegetation in the entire landscaped region. It has been designed specifically to avoid issues with overgrown or compacted root systems on turf.

What are the different types of lawn care insurance?

The types of insurance available are grossly divided into two groups: prevention and restoration.

How does it work?

Is a business license needed for a lawn care business?

Depending on the type of lawn care business you run, you may need to apply for a business license. Some states require licenses for businesses that use herbicides or other chemicals. Other states have different suggestions or requirements, but require a business license.

Do I need workers’ comp insurance if I have independent contractors?

Is a riding lawn mower considered a vehicle?

For insurance purposes, can a riding lawn mower be considered a vehicle? When I purchased a riding lawn mower, I wasn’t aware of its potential liability to me. A riding lawn mower is a motorized lawn mower. Therefore, it is safe to assume that a riding lawn mower can be considered a vehicle. This can be expanded further to include medium duty garden tractors and electric hedge trimmers.

With regards to homeowner’s insurance, the mower is like any other motor vehicle. A rider’s mower along with a scooter, golf cart, or anything with wheels is considered a motor vehicle. This is why all types of vehicles have similar insurance premiums. However, some homeowners choose to purchase a rider’s mower as their daily driver. In order to ensure that the mower is being used as a personal endorsement, the premiums can be significantly lower than a personal automobile.

Is the rider’s mower included in the basic policy – liability coverage?

Bottom Line

When it comes to landscaping, understanding landscaping insurance is a must. If you don’t understand the basics of landscaping insurance then it’s like trying to drive without first learning the rules of the road. Landscaping is inherently risky. There is always the risk of damage from inclement weather, pests, or wildlife. So, natural disasters, liability, and workers’ comp are just a few of the key areas of insurance that landscaping contractors often require.

A basic landscaping insurance policy provides coverage for liability, physical damage, and property damage (including effects of weather). The best landscaping insurance policies cover not only physical damage to the plants, but will also protect against bodily injury and property damage to your home and its contents.

Your landscaper will be able to give you a fair estimate of the cost of the necessary insurance. You can also visit your state and local government websites to research what insurance is required and the cost of that coverage.