Residential Landscaping
Coverage built for interior and exterior landscapers working in homes, rental properties, and residential developments. Simple, fast, and built for how you actually work.
It feels like overkill until the first claim. A mower kicks a rock through a picture window, a trimmer nicks a fence, a homeowner trips over a hose left across a walkway — routine work generates routine claims, and without coverage, the repair bill comes directly out of your pocket. More homeowners and property managers are also asking to see proof of insurance before they'll hire you, especially for recurring seasonal contracts.
Covers third-party bodily injury and property damage connected to your work — the foundation of any residential policy. If a client's property is damaged or someone is hurt in connection with a job, GL responds to the legal costs and the claim itself.
Mowers, trimmers, blowers, and a trailer represent a real investment that travels with you every day. Standard homeowner's or renter's insurance won't cover business equipment, and it certainly won't cover it sitting in a truck or trailer overnight — inland marine coverage follows your gear wherever the job takes it.
Built into your GL policy, this covers claims that surface after you've already left the property — a dead irrigation zone from a line you nicked weeks ago, or turf that fails from a bad install. Residential claims often show up after the fact, which is exactly what this piece is for — see our GL page for how irrigation and utility strikes specifically get handled.
A growing share of residential work runs through HOAs and property management companies rather than direct homeowners, and they typically want a certificate of insurance on file before you touch a single property in the community — usually showing at least $1M per occurrence with the management company named as additional insured. Once you're bound with us, that COI is issued instantly.
Landscaping is seasonal work in most of the country, and it's tempting to let coverage lapse over the winter to save money. We don't recommend it — many residential landscapers pick up cleanup, snow removal, or holiday lighting work in the off-months, and a lapsed policy means none of that is covered either. An annual policy keeps you protected year-round without having to remember to re-bind every spring.
Most solo residential operators pay between $650 and $1,300 a year for general liability. Adding coverage for mowers and a trailer brings the combined total closer to $950–$1,900, depending on what your equipment is worth. Crews with employees pay more, driven mainly by payroll and workers' comp — see our full cost breakdown for the complete picture.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
Related Coverage
FAQ
You may not always be legally required to have it, but most property management companies require proof of GL before you can work in their properties. And even without a requirement, one claim from a homeowner can easily exceed a year's worth of premiums.
Those are separate issues from liability insurance. GL covers claims the homeowner makes against you — not disputes about payment or damage to your gear by the homeowner. Tools coverage protects your equipment.
Yes — we can issue certificates naming specific homeowners or property managers as additional insured. This is common for rental property work and some HOA-managed communities.
If you're being paid for landscaping work, you're operating a business in the eyes of an insurance carrier — and you're exposed to claims. Coverage is typically affordable enough that it's worth having even for occasional paid work.
Same-day coverage is typically available. Fill out the quote form today and our agents will get you a quote quickly. Once you bind, your COI is issued instantly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.