Industries we serve
Landscaping insurance that follows your crew from job to job
Your crew, trucks and equipment spend the day moving between properties. We help landscaping businesses review coverage for that work and for the seasonal changes that can make one year look very different from the next.
What your crews do
Maintenance and larger landscape projects need a clear description
Routine mowing is different from installing retaining walls, grading a yard or working around large trees. An application that says only “landscaping” can leave important details unanswered. We will ask about the work you perform, the equipment you use and which jobs you subcontract.
If you also plow snow, apply chemicals, install irrigation or do excavation, raise that at the start. Those operations should be discussed with the insurer as part of the review, even when they account for only a portion of your revenue.
People, vehicles and equipment
Keep the working parts of the business in view
Your insurance review should account for employee injuries, liability arising from your work, business vehicles and equipment that moves between jobs. Mowers and tools stored in a trailer raise different property questions from equipment that stays inside a locked shop.
OSHA identifies machinery, lifting, chemical exposure and weather among the hazards in landscape work. An accurate description of your crews and operations helps the insurance conversation stay grounded in those actual exposures. It also helps us compare quotes using consistent information.
A better renewal submission
Update the numbers for the season you expect
Gather your current policies, projected revenue, payroll and subcontractor costs. Include a vehicle and driver list, equipment values and the mix of residential and commercial work. Let us know whether you have seasonal employees or contracts with specific insurance requirements.
We can use that information to review your current coverage and available alternatives. If your work has expanded since last year, explain the change before the renewal so the application reflects the business you are running now.
Related coverage and industries
Explore your options
Coverage for claims involving injuries to others, property damage and related liability.
Workers CompensationCoverage for work-related employee injuries and illnesses.
Commercial AutoInsurance for business vehicles, with a review of drivers, vehicle use and hired or non-owned auto exposure.
Construction & ContractorsInsurance for general and trade contractors, including commercial projects, tenant improvements and residential work.
Coverage references
General information. Coverage depends on the policy, exclusions and underwriting.