Every landscape has its unique contours; match it with liability insurance that adapts to your business’s terrain.
Just as no two landscapes are the same, we tailor insurance solutions to fit the unique topography of your business, offering steadfast protection in an ever-changing environment.
What is Landscaping Insurance?
Landscaping liability insurance is a form of protection that addresses the unique risks associated with the landscaping industry, safeguarding your business from potential financial liabilities. As a landscaper, your work environment is constantly changing, bringing new challenges and unexpected hazards each day. It’s critical to have a partner who understands the complexities of your industry and is prepared to stand by your side when faced with the unexpected. Without landscaping insurance, your business may be exposed to significant out-of-pocket expenses or legal issues.
At XINSURANCE, we provide specialty liability insurance solutions tailored to the diverse needs of landscaping professionals. Understanding that proper protection goes beyond the basics, we embrace a partnership approach – focusing on thorough coverage that aligns with your unique operations. Our commitment to meticulous service and our proven track record in standing with our partners through thick and thin, is what sets us apart in the marketplace. Contact us to experience the difference of having a TRU insurance partner in your corner.
Who We Can Help
- Landscaping Companies
- Landscape Contractors
- Independent Professionals
- Landscape Architects & Designers
- Hardscaping Professionals
- And More!
Landscaping Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Pollution Clean-Up
Covers the costs associated with pollution clean-up caused by your business.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Landscaping Insurance
Why do landscaping businesses need insurance? Is landscaping business insurance required by law?
Liability insurance protects landscaping businesses from financial losses due to liability claims, accidents, property damage, and other unforeseen events that could potentially derail operations.
While not always legally mandatory, many clients and potential contracts require landscaping businesses to carry insurance to protect against liability and property damage.
Thus, it is highly recommended to have landscaping business insurance!
Does landscaping insurance cover equipment?
While specific coverages vary, equipment coverage can be arranged to protect against damage or theft of tools and machinery.
Do landscaping sub-contractors need their own insurance?
Typically, yes. While it is true that some employers may extend their policy’s coverage to include contractors or sub-contractors, this protection is often limited and may contain significant gaps that leave sub-contractors vulnerable. Relying solely on an employer’s policy may not provide comprehensive coverage for all the risks that landscaping work entails.
Recognizing these potential gaps, XINSURANCE offers tailored solutions for contractors and sub-contractors. Such solutions not only enable these professionals to secure their own policy but also provide an opportunity to fill in the exclusions and limitations of their existing coverage. This dual approach ensures that sub-contractors are adequately protected against a wide array of risks, empowering them to operate with greater peace of mind. It’s crucial for sub-contractors to assess their specific needs and consider obtaining a policy that addresses the unique risks and challenges of their line of work.
What types of landscaping services can XINSURANCE provide coverage for?
There are different types of landscapers including landscape architects, landscape contractors, landscape designers, and landscapers.
No matter what type of service you provide, we’re sure we can help! Here are some examples:
- Lawn mowing and maintenance
- Tree and brush trimming
- Weed-whacking
- Leaf blowing
- Irrigation systems
- Mulching
- Pruning/hedging
- Pest control
- And more!
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does landscaping business insurance cost?
Costs vary widely based on the business size, location, services provided, equipment being used, number of employees, and claims history.
Our custom quotes provide the most accurate pricing so please contact us and tell us more about your landscaping business!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Contractors
We provide liability insurance solutions for all types of contractors from all industries, including general contractors, specialty contractors, independent contractors, subcontractors, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
