What does Landscaping Insurance cover?
Your green thumb and passion for outdoor spaces drive your landscaping business. But with trimming trees and maintaining client’s gardens, your business is exposed to significant risk. That’s why every landscaping business needs general liability insurance. Consider a few examples:
Bodily injury
You’re trimming the hedges in a client’s yard and you leave a pair of garden shears in the driveway. As the client is walking towards their car, they trip over the shears and injure themselves. (However, you need workers’ compensation to cover injury to your own employees.)
Property damage
While mowing a client’s lawn, your mower throws a rock and shatters their window. You could be liable for that property damage.
Personal and advertising injury
To help bring in new customers, you launched an ad campaign highlighting your 5-star reviews. One review calls out a competitor. While you didn’t write the review, the competitor could sue you for libel.
Who’s covered under a landscaping insurance policy?
Landscaping insurance from Thimble is customized to meet your needs. We cover the following professions and activities:
Not seeing your profession or activity? Search to get covered!
Workers’ Compensation
Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.
Professional Liability Insurance
Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.
Business Owners Policy
A business owners policy or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.
Business Equipment Protection
Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)
Auto liability insurance
Commercial auto liability insurance protects you against the risks associated with vehicles your business owns and operates.
Landscaping Insurance FAQs
How fast can I get a Certificate of Insurance?
In minutes—seriously. We’ve taken the traditional insurance process and upgraded it for the 21st century. You can get a Landscapers Insurance quote from Thimble instantly, and once you purchase your policy, you’ll receive your Certificate of Insurance in your inbox. Download your copy to share with clients, and access it anytime from the Thimble App.
You can also add and modify your Additional Insureds as many times as you’d like, whenever you’d like, from the Thimble App.
You can access your Certificate of Insurance immediately after purchasing your policy, even if your policy covers a time period sometime in the future. That means you can use your Certificate of Insurance during the bidding process with larger clients, enabling you to win higher-paying jobs and grow your landscaping business.
Do I need landscaping business insurance if my clients have homeowner’s insurance?
Yes. These policies cover very different things. Your client’s homeowner’s insurance protects your client from risks associated with fire, theft, and other events that may cause damage to their home. Landscaping liability insurance protects you in case you are responsible for an accident that causes third-party damages while you are working for the client.
Is landscaping insurance required by law?
In many cases, no; while general liability insurance might not be required by state or federal law in order to operate a landscaping business, if you want the job, you’ll usually have to provide proof of insurance. We’ve also covered how it can be a huge financial protection and a sign of legitimacy for your company.
And while general liability may not be required by law, if you’ve got even a single employee, workers’ comp usually is! Always consult your state government’s latest guidelines.
Quick-thinking insurance for fast-moving businesses.
Simple.
Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Scalable.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
Flexible.
Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.
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