Your Next Job Oct 15, 9am-5pm Covered

Landscaper Insurance

Insurance you can buy on the way to today’s job.

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Flexible risk protection
by the hour, day, or month.

Starting at just $5

On Your Schedule

Coverage only for the hours and days you work—never overpay.

In an Instant

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

As a landscaper, your schedule depends on your clients' needs— so flexibility is your business's bread and butter.

Thimble's instant coverage means you can be ready to tackle any job at a moment's notice.

72% of landscapers purchase coverage just one hour before their job
"I very proudly put 'fully insured' on my business cards. When customers ask to see the certificate of insurance, I can send it directly to their email with the Thimble app." Jamie V., Landscaper

Insurance designed for small business

  • Why do I need a landscaper insurance policy? Whether you are a gardener or lawn care professional, accommodating your clients' needs (and schedules!) is part of the job. You need insurance coverage that's there just when you need it, whether that's five minutes before a last-minute booking or months in advance.

    The General Liability insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. For example:

    Bodily Injury
    You're trimming the hedges in a client's front 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.
    Property Damage
    While mowing a client’s lawn, your mower throws a rock and shatters a window. Not good.
  • Who is covered under the landscaper insurance policy? Small business insurance from Thimble is customized to meet the needs of landscaping professionals like you. We cover the following professions and activities:

    • Gardeners
    • Landscapers
    • Lawn & Yard Maintenance
    • Pesticide Application (Landscapers Only)
    • Sprinkler Installation (Excluding Fire Suppression Systems)
    • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)
  • How much does small business insurance for landscapers cost? Our premium pricing is determined based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it the most affordable option on the market for on-demand small business insurance.

    Our rates start at $5/hour, $10/day, and $29/month with $0 deductible for a $1 million policy.

Landscaping insurance protects your business from lawsuits, if you or your property accidently hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Landscaping
  • Lawn & Yard Maintenance
  • Pesticide Application (Landscapers Only)
  • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)

Optional Add-Ons

  • Chimney Cleaning
  • Concrete Construction
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal

Excluded Activities

  • Aerial Crop Spraying
  • Bedbug Remediation
  • Fumigation / Use of Gas
  • Grading or Excavating
  • Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Highway or Right of Way Maintenance
  • Pool Construction
  • Termite Inspection or Remediation
  • Use of pesticides that are not EPA approved
  • Performing Work over Three Stories in Height (30 Feet)
  • Work performed before or after the policy period

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • These excluded activities
  • See full policy for details