Hardscaping Insurance
Patios, retaining walls, walkways, and outdoor kitchens — hardscaping carries unique risks that require proper coverage.
Get Your Free QuoteWhy Hardscaping Needs Specialized Coverage
Hardscaping involves permanent installations on client property. Unlike mowing, a mistake can't be undone next week. If a retaining wall fails, a patio cracks, or drainage goes wrong, the damage — and liability — can be significant.
Structural Failures
A retaining wall that collapses can damage adjacent property, vehicles, or injure people. Completed operations coverage is critical.
Underground Utilities
Excavation for pavers or footings can hit gas lines, water mains, or fiber optic cables. GL covers the resulting damage.
Drainage Issues
Improper grading can redirect water into a client's foundation. These claims can reach $50,000+.
Material & Workmanship
Cracked pavers, settling walkways, or poorly-mixed concrete can lead to redo costs and lawsuits.
Coverage Checklist for Hardscapers
- General Liability with Completed Operations — covers claims arising after the job is finished (wall collapse, drainage failure)
- Workers' Comp — heavy lifting, excavation, and power tool use make injuries common
- Commercial Auto — hauling stone, pavers, and equipment requires commercial coverage
- Inland Marine — plate compactors, saws, and specialized tools need theft/damage protection
- Umbrella Policy — for high-value projects, additional liability limits above your base GL
Protect Your Hardscaping Business
We understand the unique risks of hardscaping and match you with carriers that cover excavation, structural work, and completed operations properly.
Get My Free Quote