Landscapers face outdoor risks every day—equipment hazards, property damage, and worker injuries. Core protections include:
- General Liability – Covers property damage (like breaking a client’s window with equipment) or third-party injuries.
- Workers’ Compensation – Required in most states if you have employees; protects against injuries such as heat stress, slips, or cuts.
- Commercial Auto Insurance – Essential for trucks or trailers used to haul crews, mowers, or other equipment.
- Commercial Property or Inland Marine – Covers high-value equipment like mowers, trimmers, and blowers against theft or damage.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection.
