Landscaping crew maintaining beautiful Florida property

Landscaping Insurance

Comprehensive protection for landscapers and lawn care professionals. From equipment damage to chemical exposure, we cover the unique risks of your trade.

Get Your Free Landscaping Quote 1-800-252-6885

Coverage Types for Landscapers

Build a comprehensive insurance package that protects every aspect of your business.

General Liability

Covers property damage and bodily injury to third parties from your landscaping operations.

Workers Compensation

Required in Florida for landscaping companies with 3+ employees. Covers heat illness, injuries from equipment, and chemical exposure.

Commercial Auto

Covers trucks, trailers, and service vehicles used for landscaping work.

Inland Marine / Equipment

Covers mowers, trimmers, leaf blowers, and other equipment against theft and damage.

Chemical Drift Liability

Covers claims from pesticide or herbicide drift damaging neighboring properties or crops.

Commercial Property

Covers your shop, warehouse, and stored equipment against fire, theft, and storms.

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Common Landscaping Risks

Understanding these risks helps you choose the right coverage.

Property damage from mowers, trimmers, or other equipment

Fertilizer or pesticide drift damaging neighboring properties

Customer slip and fall injuries on wet grass

Heat exhaustion and heat stroke during summer work

Chemical burns from fertilizers and pesticides

Equipment theft from job sites and storage yards

Injuries from chainsaws and power equipment

Damage to underground sprinklers during edging

Why Choose Greene & Associates?

Seasonal Flexibility

Adjust your coverage for busy and slow seasons to manage costs while staying protected year-round.

Crew Protection

Workers comp coverage designed for outdoor work risks including heat stress, machinery, and chemical exposure.

Equipment Theft Coverage

Protect your trailers, mowers, trimmers, and tools against theft and damage with comprehensive inland marine.

Frequently Asked Questions

What insurance do I need for my landscaping business?

At minimum, you need general liability, workers compensation, and commercial auto. Equipment floater coverage is also important to protect your mowers and tools. If you apply chemicals, consider chemical drift liability coverage.

Does landscaping insurance cover chemical damage to neighbors?

Standard general liability may not cover chemical drift damage. You may need a specific chemical drift liability endorsement or policy. This is especially important if you work near agricultural land, orchards, or properties with sensitive landscaping.

How much does landscaping insurance cost?

Most landscaping businesses pay $2,500-6,000/year for comprehensive coverage. Costs vary based on crew size, equipment value, and whether you apply chemicals. We shop multiple carriers to find competitive rates.

Do I need insurance to operate a lawn care business in Florida?

Florida doesn't require landscaping insurance by law, but most clients and property managers require proof of general liability insurance before hiring you. Workers compensation is required once you have 3 or more employees.