Get Help Now: 512•444•3366

Insurance for Lawn & Garden Contractors

Our local business insurance specialist can help find the policy you need for to meet your jobsite insurance requirements!

Lawn MowerWhy we're different from the other online business insurance sites:

  • Quotes Quick - We do our best to expedite your quote.
  • Service After the Sale - Local friendly service for over 30 years.
  • Knowledgeable Help - We help you understand your insurance choices.
  • Broad Range - We offer a wide range of business insurance programs.
  • Walk-in Service Available - Visit us at our South Austin office  - Map, Directions and Contact Information       

Got Insurance Requirements?

Do you have the insurance coverage that your property owner requires?

We are your Lawn & Garden Contractor Insurance specialists. Let us guide you to the insurance coverage you need to get the job and the paycheck. Don't risk a customer holding your check or losing a bid because you didn't get the insurance paperwork right. Professional service makes a difference!

Ready for Insurance Quotes?

Contractor Insurance Quote Request

Typical Insurance Requirements for Lawn & Garden Contractors

GENERAL LIABILITY

Request a quote for General Liability and get to work.

General Liability - Public or General Liability is nearly a universal jobsite requirement. Typically, a property owner will require that they be listed as an "Additional Insured" on your General Liability contract. Liability requirements can be very complex and specific. 

Commercial Auto Insurance - Some jobsites require that your work vehicles be insured on a Commercial Insurance policy with high liability limits. Often, additional requirements include "Hired Autos" and "Non-owned Autos."  See Business Vehicle Insurance for more information or to get a quote.

Worker's Compensation - Many jobsites require that you carry a Worker's Compensation contract with Employer's Liability.

Special Insurance Issues for Lawn & Garden Contractors

High Liability Insurance Requirements - Lawn & landscape maintenance contracts for large commercial properties often have much higher General Liability requirements. A $1 million per occurrence requirement is common. Also common is the added "fine print" of an additional insured endorsement requirement and a "Hold Harmless" clause in the work contract.

Contractor's Equipment - You depend on your tools & work truck to get the job done. What do you do if they are stolen? A contractor's Equipment floater can help! Your work truck and trailer is important equipment too. Be sure your business auto policy has the added value of your custom equipment included for your work truck and coverage for your work trailers.

Carpenter SawingWorker Injury Lawsuit - As a lawn & garden contractor, you know the dangers of working with power mowers, trimmers and other landscape tools. Your business is one injury away from ruin without Worker's Compensation Insurance. If one of your workers gets hurt while at work, how much is it going to cost you? While optional, Worker's Compensation protection of you, the owner, is also critical protection. See Worker's Compensation for more information and also see - Essay: Why Work Comp.

Contract Issues - Don't sign a job contract without having the insurance requirements reviewed and priced. We can help!

Wrong Auto Insurance Policy - A Personal Auto policy is not rated for driving to jobsites with tools, workers, equipment, etc. A Commercial Auto policy is the right insurance for your work truck and may be needed to meet the special insurance requirements for your lawn & landscape maintenance contracts. Lawn & Garden Contractors often have customized trucks & trailers to bring tools and needed equipment to jobsites. Business Auto Insurance on your work truck can handle these added insurance needs. See Insurance for Business Vehicles for more information or to get a quote.