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Small business insurance solutions for landscapers and lawn care

Running a successful landscaping business requires hard work, dedication, and keen attention to detail. That same level of detail should be shown for their insurance coverage.

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Unforeseen events and accidents can occur while owning a landscaping business. That’s why having the right insurance is vital.

At Victor, we specialize in providing tailored insurance solutions to help you serve your landscaping clients with confidence and expertise. We offer a range of small business insurance solutions specifically pruned to the needs of landscapers, including:

  • Business owners policies
  • Cyber
  • General liability
  • Workers comp
  • E&S property and general liability

Download the Landscapers highlight sheet

Learn more about each individual coverage below. 

Coverage highlights and appetite for landscapers

  • Compare quotes from multiple lines of business: CNA, Coterie
  • Available nationwide
  • Up to 50 employees
  • Sub-contracted work up to 50%
  • Up to $10M in sales*
  • Up to $1,000,000 in Payroll
  • Limits up to $3M in total insured property*
  • Liability limits up to $2M/4M
  • Multi-location available
  • New ventures welcome
  • Optional coverages: Blanket AI, Blanket Waiver of Subrogation, Primary Non-Contributory wording, Tools and Equipment coverage
  • Umbrella indication available with CNA BOP quote

*Dependent on provider and class code

  • Compare quotes from multiple providers: AmTrust, Coalition, Victor
  • Available nationwide
  • Revenues up to $250M
  • Limits up to $2M bind-able online
  • Limits up to $5M via referral
  • Cyber liability and Tech E&O coverage available

  • Compare quotes from multiple carriers: BTIS, Coterie, Hiscox, Homesite
  • Available nationwide
  • Up to 50 employees
  • Sub-Contracted work up to 50%
  • Up to $10M in sales*
  • Up to $1,000,000 in Payroll
  • Limits up to $3M in total insured property*
  • Liability limits up to $2M/4M
  • Multi-location available
  • New ventures welcome
  • Optional coverages: Blanket AI, blanket waiver of wubrogation, primary non-contributory wording, tools and equipment coverage, lawn care errors and omissions endorsement

*Dependent on provider and class code

  • Compare quotes from multiple carriers: AmTrust, CNA, Markel, Employers
  • Limits up to $1M/$1M/$1M
  • No payroll cap
  • Multi-state capabilities
  • New ventures eligible in most classes
  • Superior claims and loss control services
  • Blanket AI available

  • Multiple providers available: Joyn and Pathpoint
  • Payroll up to $300,000
  • Up to $3M in sales*
  • Limits up to $25M on scheduled TIV
  • Liability limits up to $2M/4M
  • Excess liability up to $5M
  • Multi-location available
  • New ventures welcome
  • Optional coverages: Blanket AI, Blanket Waiver of Subrogation, Primary Non-Contributory wording, Tools and Equipment coverage

*Dependent on provider and class code

  • Landscape gardening
  • Landscape gardening--No Tree Removal or Excavation--Office
  • Landscape gardening-No Tree Removal or Excavation--Shop
  • Landscape drivers
  • Lawn care services
  • Lawn maintenance - commercials or domestic
  • Lawn and yard maintenance - no oesticide or herbicide applications
  • Lawn sprinkler installation - office/shop

Don't leave your 🍃landscaping clients🌿 hanging!

Make sure they're fully protected on all aspects of their business. Get tailored quotes from multiple A-rated providers with just one client info entry!

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Additional resources for landscapers

Articles and claims scenarios to share with your landscaper clients to help them better understand their risks.

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From branches and bumps to business bliss

05/15/2024

Avery is the proud owner of a landscaping business. One day, while his team was trimming trees at a client's property, a large branch accidentally fell and damaged the neighbor's car.

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From roots to recovery

05/15/2024

One afternoon, while working on a client's property Ethan accidentally stepped on a hidden tree root and twisted his ankle. The injury was severe, and Ethan is unable to continue working until he recovers.
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Securing the season

05/15/2024

Nikolas and Holly own a local landscaping company. During the holiday season they are known for creating stunning Christmas light displays for residential and commercial properties.

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From weeds to wonders

05/15/2024

Oliver owns a successful landscaping business in a thriving suburban area. One unfortunate day, a group of teenagers broke into his equipment storage, stole several tools, and severely damaged other essential equipment.
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