Seasonal Landscaping Insurance

Your business slows down in winter. Should your insurance? Here's what seasonal landscapers need to know.

Should You Keep Insurance Year-Round?

In most cases, yes. Here's why:

Completed Operations Claims

A client can file a claim for work you did last summer — even in January. If your policy lapsed, you have no coverage.

Coverage Gaps Hurt Renewals

Carriers view lapses negatively. A gap in coverage can increase your next premium by 20-40%.

Spring Scramble

Re-applying for insurance each spring means delays, new applications, and potentially higher rates. Keeping continuous coverage is easier and cheaper.

Snow & Ice Services

Many landscapers do snow removal in winter. Your GL policy may cover this — cancelling it leaves you exposed.

How to Save on Off-Season Insurance

1.Reduce payroll estimates. If you lay off seasonal workers, update your carrier. Workers' comp is based on payroll — lower payroll means lower premiums.
2.Keep GL active. At $45-75/month, the cost of year-round GL is far less than the cost of a coverage gap.
3.Ask about seasonal endorsements. Some carriers offer reduced off-season rates for landscapers in cold-weather states.

Get Year-Round Protection

We'll find you the most affordable year-round coverage so you're always protected.

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