General Liability Insurance for Landscapers
Protect your landscaping business from lawsuits, property damage claims, and third-party injuries — starting at $45/month.
Get Your Free QuoteWhat Does General Liability Cover?
General liability (GL) insurance is the foundation of protection for any landscaping business. It covers claims made by third parties — your clients, their neighbors, or passersby.
Bodily Injury
A client trips over your equipment, a rock flies from your mower and hits someone — GL covers medical bills, legal fees, and settlements.
Property Damage
You accidentally damage a client's fence, irrigation system, or driveway. GL pays for repairs or replacement.
Completed Operations
A retaining wall you built collapses months later. Completed operations coverage protects you even after the job is done.
Common GL Claims for Landscapers
- ●Mower throws a rock through a car windshield — $1,200 claim
- ●Client's dog escapes through a gate left open by your crew — $3,500 in vet bills
- ●Sprinkler installation causes water damage to a basement — $15,000 claim
- ●Tree limb falls on neighbor's fence during removal — $8,000 repair
- ●Customer slips on freshly-laid sod and breaks their wrist — $25,000 medical + legal
Without GL insurance, you'd pay these out of pocket. One bad claim can bankrupt a small landscaping business.
How Much Does Landscaper GL Insurance Cost?
Most landscaping businesses pay $45–$75 per month for a standard $1M/$2M general liability policy. Your exact rate depends on:
- Revenue and number of employees
- Services offered (mowing vs. tree removal vs. hardscaping)
- Claims history
- State requirements and local regulations
Who Needs Landscaping GL Insurance?
Solo Operators
Even if it's just you and a truck, one accident can wipe you out. Most clients and HOAs require proof of insurance before hiring.
Small Crews (2-5)
More workers means more risk. GL is required in most states before you can bid on commercial jobs.
Growing Companies
Scaling to 10+ employees? You'll need GL plus Workers' Comp. We can bundle both for savings.
Subcontractors
General contractors require subs to carry their own GL. No insurance = no work.
Frequently Asked Questions
How much does general liability insurance cost for landscapers?▾
Most landscaping businesses pay $45–$75 per month for a standard $1M/$2M general liability policy. Your rate depends on revenue, crew size, services offered, and claims history.
What does landscaper GL insurance cover?▾
GL insurance covers bodily injury to third parties, property damage caused by your work, and completed operations claims (damage that occurs after you've finished a job).
Is general liability required for landscapers?▾
While not always legally required by the state, virtually every commercial client, HOA, and property manager requires proof of GL insurance before hiring a landscaper. It's considered essential for any professional operation.
What's the difference between GL and workers' comp?▾
General liability covers claims from third parties (clients, their property, bystanders). Workers' comp covers your employees' injuries on the job. Most landscapers with employees need both.