Insurance Built for Businesses That Work Outdoors
From spring cleanups and weekly maintenance to landscape installations and snow removal, your business operates in changing conditions every day.
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We help lawncare and landscaping companies build protection designed around the equipment, vehicles, crews, and properties that keep their business growing.
Understanding Landscaping Insurance
Success in this industry depends on more than great work. Your business relies on trucks, trailers, mowers, equipment, employees, and customer relationships all working together.
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Whether you're maintaining residential properties, managing commercial accounts, or building outdoor spaces from the ground up, the right insurance program helps protect the business you've worked hard to build.
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A landscaping service insurance program may include:
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Business Owners Policy (BOP)
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General Liability Insurance
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Commercial Auto Insurance
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Workers Compensation Insurance
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Equipment & Trailer Coverage
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We help landscaping businesses build coverage around how they actually operate, not just how they're classified.
Coverage Built Around Busy Seasons
Landscaping is rarely a steady, year-round operation. Equipment gets added, crews expand, and workloads can change dramatically from season to season.
Coverage may help support:
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Mowers, Trimmers & Equipment
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Trucks & Trailers
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Employee & Crew Operations
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Customer Property Protection
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​Seasonal Business Changes
As your business grows, we help ensure your coverage grows with it.
The Cost of Downtime Adds Up Quickly
In the landscaping business, schedules are tight and opportunities are seasonal. A stolen mower, damaged trailer, vehicle breakdown, or employee injury can quickly impact productivity, customer satisfaction, and revenue.
We landscaping business owners review:
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Equipment & Tool Protection
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Trucks, Trailers & Vehicle Risks
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Employee & Crew Exposure
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Customer Property Concerns
We help identify potential gaps and build protection designed to keep your crews working and your business moving.
Do landscaping businesses need insurance?
Yes. Most landscaping businesses carry insurance to help protect their equipment, vehicles, employees, and operations. Coverage requirements can vary based on the size and structure of the business.
Are my mowers, trailers, and landscaping equipment covered?
Yes, they can be. Coverage may be available for mowers, trimmers, blowers, trailers, and other equipment used in your business. Coverage varies by carrier and policy.
Does landscaping insurance cover damage to a customer's property?
Yes, in many cases. General liability coverage may help protect your business if covered work accidentally causes property damage during a job.
Do I need workers compensation if I have employees?
Usually, yes. Michigan workers compensation requirements vary based on your workforce and business structure, but many landscaping businesses are required to carry coverage when employees are involved.
Protection Built for Growing Landscaping Businesses
Whether you're maintaining residential properties, managing commercial accounts, or expanding your crew, we'll help build coverage designed around the way you work.
Review My Practice Coverage
Let's make sure your coverage keeps pace with your practice.
Let's review your current protection and identify opportunities to better align coverage with your business goals.