10 Best Business Insurance for Landscaping Companies in 2025

Running a landscaping business involves various risks that can impact your operations, team, and property. To safeguard your business, it’s crucial to have appropriate commercial insurance coverage in place. This article explores the key points of landscaping insurance for small businesses, the types of insurance needed, who requires this coverage, and the costs involved.

Our Top 10 Picks: Best Business Insurance for Landscaping Companies

Additionally, it delves into protecting your team, covering landscaping operations, and securing your property. With the right insurance, you can stay better protected and focus on growing your landscaping business.

#1 – Travelers: Top Overall Pick

Pros

• Multi-Policy Savings: Offers a 5% discount for bundling insurance policies. Learn more in our Travelers insurance review & ratings.
• Generous Low-Mileage Discounts: Provides a 10% discount for low-mileage drivers.
• Accident Forgiveness: Travelers excels in forgiving accidents, preventing premium increases after a claim.

Cons

• Limited Multi-Policy Discount: The 5% discount might be lower compared to competitors.
• Narrower Coverage Options: May lack some specific coverage options offered by others.

#2 – USAA: Best for Military Savings

Pros

• Strong Multi-Policy Discount: USAA offers a 10% discount for bundling policies. See more details in our USAA insurance review & ratings.
• Consistent Low-Mileage Discount: Also provides a 10% discount for low mileage.
• Tailored for Military Needs: Specializes in serving military members and their families with significant savings and benefits.

Cons

• Membership Restrictions: Services are limited to military members, veterans, and their families.
• Limited Physical Locations: Fewer physical branches, which might affect those preferring in-person service.

#3 – State Farm: Best for Diverse Discounts

Pros

• Significant Bundling Discounts: Offers a robust 17% discount for multi-policy bundling. More information is available about this provider in our State Farm insurance review & ratings.
• High Low-Mileage Discount: Provides a substantial 30% discount for low-mileage usage.
• Wide Range of Coverage: State Farm has diverse insurance options tailored for various business needs.

Cons

• Higher Premium Costs: Despite discounts, premiums can be higher for certain coverage levels.
• Comparatively Lower Multi-Policy Discount: While strong, some competitors offer more aggressive savings.

#4 – Progressive: Best for Online Convenience

Pros

• Competitive Multi-Policy Discounts: Provides a 15% discount for bundling policies. Read up on Progressive insurance review & ratings for more information.
• Highest Low-Mileage Discount: Offers a 31% discount, the highest among competitors.
• Online Management: Known for user-friendly online services making policy management convenient.

Cons

• Variable Customer Service: Online focus can result in less personalized customer service.
• Premium Variability: Premiums may vary significantly between customers and regions.

#5 – Nationwide: Best for Usage Discount

Pros

• Good Multi-Policy Discount: Offers a 10% discount for bundling different insurance policies.
• Solid Low-Mileage Discounts: Also provides a 10% discount for drivers with low mileage. Check out insurance savings in our complete Nationwide insurance review & ratings.
• Usage-Based Discounts: Leading in offering discounts based on the actual usage of the insured assets.

Cons

• Coverage Limitations: Might not offer as broad a coverage selection as some larger insurers.
• Customer Service Variability: Experiences with customer service can vary by location and agent.

#6 – The Hartford: Best for Deductible

Pros

• Moderate Multi-Policy Discount: The Hartford offers a 5% discount when you bundle policies.
• Incentive for Low Mileage: Provides a 10% discount for drivers who travel fewer miles. Discover more about offerings in our The Hartford insurance review & ratings.
• Deductible Reduction: Unique in offering deductible reductions, which can lower out-of-pocket costs after a claim.

Cons

• Lower Discounts: Lower multi-policy and low-mileage discounts compared to some competitors.
• Niche Market Focus: May not cater as comprehensively to all types of businesses outside of its target demographic.

#7 – Allstate: Best for Add-on Coverages

Pros

• Substantial Multi-Policy Discounts: Offers a significant 25% discount for bundling policies. Access comprehensive insights in our Allstate insurance review & ratings.
• Range of Add-On Coverages: Provides extensive options for add-on coverages enhancing policy customization.
• Supportive of Low-Mileage Users: Offers a 10% low-mileage discount, beneficial for infrequent drivers.

Cons

• Higher Cost for Add-Ons: While offering extensive add-ons, the costs can add up, making it pricier.
• Complex Policy Structures: The wide range of options can be confusing and require careful consideration to avoid unnecessary coverages.

#8 – Liberty Mutual: Best for Customizable Polices

Pros

• Solid Discounts: Provides a 12% discount on multi-policy bundling. Delve into our evaluation of Liberty Mutual insurance review & ratings.
• Customizable Policies: Offers highly customizable policies to closely fit individual business needs.
• Consistent Low-Mileage Discount: A 10% discount is available for low-mileage vehicles.

Cons

• Potentially Higher Premiums: Customization can lead to higher premiums compared to more standardized policies.
• Customer Service Inconsistency: Customer service quality can vary widely, impacting user satisfaction.

#9 – Farmers: Best for Local Agents

 

Pros

• Strong Local Support: Farmers boasts a strong network of local agents providing personalized service.
• Multi-Policy Discount: Offers a 10% discount for bundling multiple insurance policies. Unlock details in our Farmers insurance review & ratings.
• Local Agent Expertise: Local agents offer in-depth knowledge and tailored advice based on regional needs.

Cons

• Varied Pricing: Costs can vary significantly depending on location and agent.
• Dependent on Agent Quality: The quality of service can heavily depend on the specific local agent.

#10 – Hiscox: Best for Flexible Coverages

Pros

• Tailored for Small Businesses: Hiscox specializes in providing insurance for small businesses, offering policies that meet unique needs.
• Flexible Policy Options: Offers a variety of customizable policies with a 5% multi-policy discount.
• Consistent Low-Mileage Discount: Also provides a 10% discount for low-mileage usage. See more details in our Insurance quotes online.

Cons

• Limited Coverage for Larger Businesses: May not offer adequate coverage for larger or more complex operations.
• Niche Focus Might Exclude Some: While great for small businesses, may not suit those outside its specialty.

Comparative Monthly Insurance Rates for Landscaping Companies

Selecting the right insurance policy involves understanding the cost differences between minimum and full coverage levels. This section breaks down the monthly rates for various insurers, providing a clear comparison of what landscaping companies can expect to pay for business insurance.

Business Insurance for Landscaping Companies: Monthly Rates by Coverage Level & Provider

Allstate offers rates from $200 for minimum coverage to $400 for full coverage, while Farmers presents a slightly lower range of $180 to $350. Hiscox stands at the higher end with rates of $220 and $450 for minimum and full coverage, respectively. Liberty Mutual and Nationwide offer competitive rates with Liberty Mutual charging $190 to $380 and Nationwide at $210 to $420.

Progressive and State Farm provide middle-ground options, charging $195 to $400 and $185 to $370, respectively. The Hartford’s rates are set at $205 for minimum and $410 for full coverage. Travelers and USAA show a broader range, with Travelers costing $225 to $440 and USAA being the most economical choice for both minimum and full coverage at $175 to $360.

These variations reflect the diverse offerings available to landscaping companies, catering to different needs and budget considerations. For additional details, explore our comprehensive resource titled “How does the insurance company determine my premium?”

Safeguarding Your Landscaping Business: Essential Insurance Types

To adequately protect your landscaping business, you should consider the following types of insurance:

• General Liability Insurance: This coverage protects your business from claims related to third-party bodily injury, property damage, or advertising injuries. It provides financial support for legal fees, medical expenses, and settlements if your business is found liable for such incidents.
• Property Insurance: Property insurance safeguards your physical assets, including your office, tools, equipment, and landscaping supplies. It covers losses or damages resulting from events like fires, vandalism, theft, or weather-related perils.
• Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance is crucial. It provides coverage for medical expenses and lost wages if an employee sustains an injury or becomes ill while performing work-related tasks.

Ensuring your landscaping business is equipped with general liability, property, and workers’ compensation insurance is fundamental to managing risks effectively and maintaining operational continuity amidst challenges.

Learn more: Commercial General Liability (CGL) Insurance: A Complete Guide

Tailoring Insurance for Your Landscaping Business: Finding the Ideal Coverage

The best insurance for your landscaping business depends on your specific needs and risk factors. Consider the following when selecting insurance:

• Assess the scope of your operations, the size of your business, and the number of employees you have.
• Evaluate the types of services you offer. For example, if you provide snow removal services, you may require coverage for winter-related accidents.
• Consult with an insurance professional specializing in small business insurance. They can help you assess your risks and recommend suitable coverage options tailored to your business.

Selecting the ideal insurance for your landscaping business ensures resilience against unforeseen incidents.

Partnering with a professional can help tailor a coverage plan that perfectly suits your operational scope and service offerings.

Safeguarding Your Landscaping Operations: Protecting Your Team and Covering Property Damage

Your employees are valuable assets to your landscaping business. It’s important to take measures to protect them and provide support in case of injuries or sickness.

• Injuries: Accidents can happen in any work environment, including landscaping. In the event of an employee injury, workers’ compensation insurance provides coverage for medical expenses, rehabilitation costs, and lost wages. It also protects your business from potential lawsuits related to workplace injuries.
• Sickness: Illnesses can also impact your team’s productivity and well-being. Offering health insurance or disability insurance can provide financial assistance and support to your employees if they become sick and are unable to work.
• Covering Landscaping Operations: Running a successful landscaping business involves various operational activities. Here are two essential areas where insurance coverage is crucial.
• Property Damage: Accidents resulting in property damage can occur during landscaping operations. General liability insurance provides coverage for damages to third-party property caused by your business activities. This coverage includes repairing or replacing damaged property and any associated legal expenses.
• Power Outage: Power outages can disrupt your operations and potentially lead to financial losses. Business interruption insurance can provide compensation for lost income and additional expenses during power outages, enabling you to recover quickly and minimize the impact on your business.

Implementing comprehensive insurance coverage is essential for any landscaping business aiming to protect its employees and operations from unexpected incidents.

By prioritizing the health and safety of your team and securing against property damages, you can ensure the longevity and resilience of your business.

Securing Your Landscaping Property: Safeguarding Against Theft and Plow Accidents

Ensuring the security and safety of your landscaping business is crucial, especially when it comes to protecting your valuable equipment and mitigating risks during operations like snow plowing.

• Theft: Landscaping equipment and tools are valuable assets that can be targeted by thieves. Property insurance offers coverage for theft, ensuring you can replace stolen items and continue your business operations.
• Plow Accident: If your business involves snow removal or plowing services, accidents can occur. Car insurance specifically designed for commercial vehicles can cover damages resulting from plow accidents, protecting both your vehicles and the equipment attached to them.

Implementing the right insurance strategies is essential for any landscaping business to effectively manage the risks of theft and plow accidents, ensuring continuity and stability in your business operations.

Case Studies: The Impact of Business Insurance for Landscaping Companies

Unforeseen incidents can pose significant financial and operational challenges. Exploring various case studies, this analysis highlights the pivotal role of business insurance in safeguarding landscaping companies from such vulnerabilities.

• Case Study #1 – General Liability Insurance: One landscaping company faced a lawsuit when a client tripped over a rock left on a walkway during a construction project. Thanks to their general liability insurance, the company’s legal expenses and settlement costs were covered. This insurance not only protected their financial assets but also preserved their reputation by demonstrating their commitment to client safety.
• Case Study #2 – Property Insurance: A severe thunderstorm caused extensive damage to a landscaping company’s storage facility, destroying valuable equipment and supplies. Fortunately, their property insurance covered the cost of replacing the damaged items, allowing them to quickly resume operations without suffering significant financial setbacks.
• Case Study #3 – Workers’ Compensation Insurance: A landscaper employed several workers to maintain various properties. Unfortunately, one of their employees suffered a serious injury while operating a machinery. Thanks to their workers’ compensation insurance, the injured employee’s medical expenses were fully covered, and they received compensation for lost wages during their recovery.
• Case Study #4 – Commercial Auto Insurance: A landscaping company’s truck, equipped with plowing equipment, was involved in an accident while clearing snow from a client’s property. The accident caused significant damage to both the truck and the client’s fence. Fortunately, their commercial auto insurance covered the repair costs for both the truck and the fence, minimizing the financial impact and maintaining a positive client relationship.

These case studies succinctly illustrate the indispensable protection that business insurance offers to landscaping companies. By equipping businesses with the necessary coverage, insurance acts as a crucial safety net, enabling them to overcome unexpected adversities and continue thriving in a competitive industry.

Summary: Elevate Your Landscaping Business’s Security With Tailored Insurance Coverage

Landscaping insurance plays a vital role in protecting your small business from potential risks and liabilities. By understanding the types of insurance needed and customizing your coverage based on the specific needs of your landscaping operations, you can ensure that your business is well-protected through every season.

General liability insurance shields you from third-party claims, while property insurance safeguards your valuable assets. Workers’ compensation insurance provides support for your team in case of injuries or illnesses. Remember, regardless of the size of your business, landscaping insurance is essential for mitigating financial losses and maintaining the continuity of your operations.

Consult with insurance professionals, evaluate your risks, and invest in the right insurance coverage to provide the peace of mind you need as you focus on growing your landscaping business. Learn more by reading our guide How to get free insurance quotes online.

Our free quote tool below makes it easy to compare affordable coverage options for your business — simply enter your ZIP code to find the best commercial insurance company for you.