Landscaping & Lawn Care Insurance
General Liability Insurance
for Landscaping & Lawn Care
A rock thrown by a mower, an irrigation line hit by a trencher, a tree branch that falls on a car — landscaping work creates frequent opportunities for accidental property damage. General liability covers these incidents and the resulting claims so your business can grow without one accident threatening everything you've built.
Industry-Specific Insight
Why Landscaping & Lawn Care Businesses Need General Liability Insurance
A rock thrown by a mower, an irrigation line hit by a trencher, a tree branch that falls on a car — landscaping work creates frequent opportunities for accidental property damage. General liability covers these incidents and the resulting claims so your business can grow without one accident threatening everything you've built.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for landscaping & lawn care operations.
FAQs
Common Questions from Landscaping & Lawn Care Businesses
Does GL cover damage caused by a mower throwing a rock?
Yes. Projectile damage from landscaping equipment is one of the most common GL claims in the industry and is covered by your general liability policy.
What if my crew accidentally cuts an irrigation or utility line?
Underground utility damage is a common landscaping claim and is typically covered by general liability, though calling 811 before any digging is still required.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Landscaping & Lawn Care Businesses Commonly Need
A complete protection plan for landscaping & lawn care operations typically includes several complementary coverages.
Landscaping & Lawn Care · General Liability
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