Landscaping Insurance

Our products are specifically designed to meet the needs of landscapers, lawn care businesses and more. Connect with an AmTrust-appointed agent to get a quote.


What is Landscaping Insurance?

The landscaping industry employs more than one million people, with almost 633,000 landscaping services businesses in the United States as of 2022. On average, the market has grown 5.4% between 2017 and 2022.

Landscapers and other lawn care businesses take pride in their work, keeping lawns mowed, hedges trimmed, and trees pruned to ensure a beautiful home or business for their customers. However, landscaping companies are exposed to a variety of risks that can hinder their business from running smoothly, from property hazards to employee injuries. AmTrust is your go-to for landscapers insurance, with the ability to bind landscaping clients online on AmTrust Online today.

Types of Landscaper Insurance Coverages

AmTrust provides coverage tailored to the needs of landscapers. Our landscaping insurance policies can be written as a package or monoline.

Workers’ Compensation

Workers' Compensation Insurance protects landscapers by providing benefits to employees injured on a job site. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

General Liability Insurance

General Liability Insurance provides coverage to landscaping companies for bodily injury, personal injury and property damage caused by the business's operations, products, or injury that occurs on the job. This type of business insurance offers overage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do. 

Commercial Property Insurance

Commercial Property Insurance is crucial for landscapers. It protects the owned or rented building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).

Commercial Auto

Commercial auto coverage protects landscaping companies of all sizes from litigation related to automotive incidents, including auto collisions, an unloading accident, or a new work truck stolen from the parking lot. 

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) coverage protects landscaping businesses in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.

Cyber Insurance

Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred due to data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.

AmTrust’s Preferred Exposures for Landscaping Companies

Our list of preferred landscaping businesses includes but is not limited to companies that provide the following:

•    Landscaping services
•    Lawn care services – mowing, maintenance, fertilizing, etc.

AmTrust Agents

Our appointed agents fully understand the unique risks facing landscaping businesses. We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service to our insureds and agents. We offer a comprehensive suite of landscaper insurance coverages, so our appointed agents have the confidence and the flexibility to provide their clients with the right policy to protect them from risk.
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