Landscaping crew maintaining beautiful Florida property

Landscaping Insurance

Insurance for lawn care crews, landscape maintenance, equipment, trailers, vehicles, employees, chemical or fertilizer work, and the certificates that commercial contracts often require.

Check Landscaping Pricing 1-800-252-6885

Landscaping insurance coverage to review before the season gets busy

Landscape accounts can look simple until vehicles, trailers, equipment, employees, chemicals, and commercial contracts all show up at once.

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.

Landscaping risks that can change the insurance answer

The right coverage depends on whether you mow, maintain, install, trim, spray, haul, subcontract, or work under written contracts.

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

How our office helps landscaping companies quote cleaner

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.

Landscaping Insurance Throughout Florida

Year-round growing season means year-round risk. We insure Florida landscaping companies statewide.

Jacksonville & Northeast FL

St. Johns River estates, beach property maintenance, commercial property contracts. Jacksonville landscaping means heat, humidity, and irrigation challenges.

Jacksonville Insurance

Orlando & Central FL

Theme park landscaping contracts, subdivision maintenance, HOA property care. Orlando landscaping is competitive and year-round. We price coverage to match.

Orlando Insurance

Tampa & Gulf Coast

Gulf Coast property care, waterfront estates, commercial contracts. Tampa landscaping battles salt air and storms. We insure crews and equipment.

Tampa Insurance

Miami & South FL

South Beach luxury properties, high-rise landscaping, tropical specialty care. Miami landscaping is high-end and high-maintenance. Coverage should match.

Miami Insurance

Gainesville & North Central FL

UF campus contracts, student housing property care, residential maintenance. Gainesville landscaping is steady work. We write policies that fit.

Gainesville Insurance

Tallahassee & Panhandle

Government property contracts, campus work, residential maintenance, and commercial accounts can all ask for different certificates and limits. We help sort that before the job starts.

Tallahassee Insurance

Based in Lake City, serving landscaping companies statewide.

Frequently Asked Questions

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.

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.

Landscaping insurance cost depends on crew size, payroll, services performed, equipment values, trailers, vehicles, chemical or fertilizer work, prior claims, and contract requirements. We can usually give a cleaner answer once we know what your crew actually does.

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.

Contractor insurance options

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Start with the full Florida contractor insurance hub, then narrow into the trade, vehicle schedule, subcontractor, COI, bond, or larger-account review that fits the work you actually do.

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See Florida contractor insurance options for HVAC, electrical, plumbing, site prep, grading, landscaping, roofers, pool contractors, concrete, fencing, and more.

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