Do I Need Landscaping Insurance?
Short answer: almost certainly yes. Here's why — and what happens if you skip it.
The Real Answer
If you do any of the following, you need general liability insurance:
- ✔Work on anyone else's property (residential or commercial)
- ✔Use powered equipment (mowers, trimmers, chainsaws, blowers)
- ✔Have employees or hire subcontractors
- ✔Sign contracts with clients, HOAs, or property managers
- ✔Transport equipment in a truck or trailer
- ✔Want to grow your business and land bigger jobs
That covers virtually every landscaping business, from solo operators to large crews.
What Happens If You Don't Have Insurance?
You pay out of pocket for accidents
A $25,000 property damage claim comes directly from your bank account. One bad day can bankrupt a small operation.
You lose jobs to insured competitors
Most commercial clients, HOAs, and property managers won't even consider an uninsured landscaper. You're invisible to the best-paying jobs.
You face state penalties
Many states require GL for licensed contractors. Operating without it can mean fines, license suspension, or criminal penalties.
You can't hire employees legally
Workers' comp is required in most states as soon as you hire your first employee. No coverage = illegal operation.
You get sued personally
Without insurance, plaintiffs go after your personal assets — your house, truck, savings. An LLC alone isn't enough protection.
What Types of Insurance Do Landscapers Need?
General Liability (GL)
Covers property damage and bodily injury claims from clients and third parties. Every landscaper needs this.
Workers' Compensation
Required in most states once you hire employees. Covers medical bills and lost wages for work injuries.
Commercial Auto
Personal auto policies don't cover commercial use. If your truck is used for business, you need commercial auto.
Inland Marine / Equipment
Covers your mowers, blowers, and tools if stolen from your trailer or damaged on a job site.
Don't Risk Your Business
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