General Liability with Pesticide and Herbicide Endorsement
Responds to third-party injury and property damage from your operations, plus chemical drift and overspray that standard GL excludes.
Read the General Liability guideWhat Landscaping insurance covers
The full landscaping insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Workers Compensation (NCCI Class 0042)
Pays medical costs and lost wages for crew injuries, rated on payroll under the landscape gardening class code.
Read the Workers Compensation guideCommercial Auto for Trucks and Trailers
Your pickups, dump trucks, and trailers hauling mowers and materials need this because personal auto won't cover business use.
Read the Commercial Auto guideRecommended
Common across most operations
Inland Marine for Mobile Equipment
Protects mowers, blowers, trimmers, chippers, and other mobile equipment against theft and damage off premises.
Read the Inland Marine guidePollution Liability for Chemical Application
Picks up fertilizer runoff, fuel spills, and pesticide drift claims that exceed the GL endorsement's sublimits.
Read the Pollution Liability guideUmbrella (Excess Liability)
Stacks on top of GL, auto, and employers liability limits to meet HOA and commercial contract requirements.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Tree Work Endorsement or Separate Policy (Class 5403)
Covers tree pruning, removal, and stump work that most standard landscaping forms exclude above a certain height.
Installation Floater for Plants and Materials
Covers plants, sod, pavers, and hardscape materials in transit and on site before final acceptance.
Read the Inland Marine guideProfessional Liability for Design-Build Work
Covers design errors on drainage, grading, irrigation layout, or planting plans that GL does not respond to.
Read the Professional Liability guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your landscaping insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.