Landscaping and Lawn Care Contractors Insurance in California
Standard riskLandscaping contractors operate mowers, trimmers, and irrigation equipment on client property, with exposure to property damage, equipment theft, and injuries from powered equipment.
Key Risks for Landscaping and Lawn Care Contractors
- Debris thrown from mowers and trimmers causing property damage or injury
- Irrigation system damage to underground utilities
- Equipment and trailer theft from job sites
- Chemical or pesticide application liability
- Vehicle exposure moving equipment between properties
Coverage to Consider
General Liability
Should address property damage from equipment operation and, where applicable, chemical application.
Tools & Equipment / Inland Marine
Covers mowers, trimmers, and trailers.
Commercial Auto
For trucks and trailers transporting equipment.
Workers' Compensation
Required for landscaping crews with employees.
Typical Cost Range
Typical range
$1,800 – $3,800 / year
Pricing varies by payroll, revenue, subcontractor use, prior claims, limits, endorsements, certificate requirements, and underwriting approval.
Commercial property management contracts often require certificates naming the property owner as additional insured.
Frequently Asked Questions
Related Trades in Site Work and Specialty Trades
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