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Landscaping insurance

Help protect your lawn care businesses

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Landscaping/lawn care insurance

We’re ready to help protect your landscaping and lawn care business

Get custom landscape insurance backed by industry experience

Whether you’re working on a landscape project or lawn care maintenance, you’re designing and building projects or bringing the beauty of someone’s property to life.

We’ll use our more than 135 years of experience in the horticultural industry to help you protect your landscaping and lawn care business.

Our knowledge allows us to understand the unique challenges you face to offer customized coverage and safety services to help protect you, your assets, and your employees.

“You go to other insurance providers, they have no clue about what you're talking about. It's been 12 years now with Hortica, and I feel much better supported than I did in the past.”

Santiago, customer
C&S Nursery
Understanding the risks

Why is landscaping insurance so important?

Common risks for professional landscapers and lawn care business owners

Two men talking near plants.

Jobsite dangers

Operating heavy machinery, making deliveries, and handling tools are all part of your job. Helping keep your employees safe is paramount for your business. But how do you make sure your employees know what to do? We can help you establish effective safety programs, as well as provide safety training, consultations, and resource materials that help reduce the risks to your workers.

Plants stacked tall

Customer liability

Property damage while performing landscape and lawn care tasks is always a concern. We can help you analyze your risks and find the type of insurance coverage that’s right for your operations.

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Equipment breakdown

Your business relies on backhoes, tillers, dump trailers, and lawn mowers. If a piece of equipment goes down, so does your productivity—and potential income. We can help you keep your completion timelines in place.

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Work errors

You’ve planned out the design, you’ve gathered the materials, but something goes wrong with the execution of the job. Your customer is upset and wants compensation. We have coverages that can help you with errors or omissions issues.

Coverages

What insurance do I need for my lawn care business?

Key coverages to help protect your equipment, employees, and business

Property insurance is just the beginning of what we offer. We can help you protect your investment and the future of your business. From liability coverage to personal insurance, we have a variety of products to help your operations today with an eye on your future.

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Commercial property insurance

Unexpected property loss or damage is part of owning a business, whether it’s from fire, storm damage, theft, or breakdowns. You can customize your commercial property insurance coverage based on your buildings, equipment, inventory, income, and other exposures.

Guide to commercial property
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General liability insurance

Lawsuits following slips, trips, or falls are a significant threat to your bottom line and reputation. Liability insurance can help you protect your business if someone is injured at your location, or if your work causes injury or property damage. It can also include cyber liability coverage to help protect against losses if your customer data and financial records are compromised.

Guide to general liability
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Commercial auto insurance

Deliveries and transporting equipment are typical day-to-day activities for your line of work. If your employees get into an accident during work-related activities, your business can be sued for damages. Commercial auto insurance can help cover losses related to accidents that happen when you're using a vehicle for your business.

Guide to commercial auto
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Workers' compensation coverage

Protecting your employees after an on-the-job injury is important. So is protecting your business from litigation. Landscape and lawn care workers’ compensation coverage can help cover medical and related expenses for your employees who are injured while working.

Guide to workers' compensation
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Professional liability insurance

Protect your business from losses related to executive risks, errors and omissions claims, and guarantee bonds. We'll work with you to build coverages that make sense for your business.

Guide to professional liability

More insurance coverages

These are just some of the insurance coverages we offer. Explore what’s available for your business.

See all insurance products

Landscaping insurance FAQs

Landscaping insurance—also known as lawn care business insurance—is designed to help protect your business and workers whether you:

  • Have one crew or many

  • Focus on residential jobs, commercial work, or both

  • Handle simple installations or complex design and build projects

Property damage, equipment breakdown, jobsite injuries, and work errors are some of the biggest risks you’ll face. Custom insurance coverage can help protect your business from financial dangers.

Cost will depend on the type and the amount of coverage you need. We'll work with you to create a customized landscaping insurance plan for your business.

Most landscaping businesses are required to have commercial business insurance due to state regulations and the risks involved. In general, that includes:

  • Landscaping contractors

  • Independent landscapers

  • Plantscapers

  • Lawn maintenance businesses

  • Lawn care operators

  • Lawn irrigation contractors

How Hortica helps

Why choose us for landscape insurance?

Industry knowledge sets us apart

We’ve been exclusively serving the horticultural and floral industries for more than 135 years. Along with lawn care and landscape businesses, that includes garden centers, plant nurseries, florists, and greenhouses.

From the beginning of the insurance quote process, you’ll experience quality service from us. Our understanding of your business and its operation allows us to help get you the tailored coverage and quick repairs if there’s ever a claim.

Why choose Hortica
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“I’ve had Hortica for my entire ownership of this 25-year business. Very happy with coverage, claims, and my rep.”
Freda, customer
Montgomery City, Missouri
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Find the right insurance

Coverage specifically designed for your business

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