Landscape & Arborist Business Insurance

Business Insurance

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Why Landscaping & Arborist Firms Need Business Insurance

Working with dangerous lawn and garden chemicals, chain saws, pole saws, tractors, edgers, and other landscaping and tree equipment can expose landscapers and arborists to specific and unique risks. You also have to manage the usual risks most small business owners take into consideration like property damage to your office or loss of important business records. Learn about the coverages small landscaping and arboriculture businesses typically need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most landscapers and arborists have a Business Owner’s Policy (BOP). Why? Because it protects your landscaping or arboriculture business in much the same way a homeowner’s insurance policy protects your home and personal possessions.

By combining three basic insurance coverages that are important to virtually every small business, a BOP can save landscapers and arborists money on insurance cost while protecting the small business you strove to build. 
  1. General Liability – helps protect landscaping or arboriculture businesses from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer comes to your office to review landscape plans and gets hurt tripping over your doormat. Likewise, you could be sued if an employee causes damage to a customer’s property, for example if they broke a fixture while using the customer’s facilities. It even helps cover certain claims of slander and libel. Business Liability insurance does not cover liabilities directly arising out of the professional landscape or arboriculture services you may provide.
  2. Commercial Property – helps protect your primary place of business and the things you use to conduct business, like landscaping tools and arborists equipment, office furniture and more – whether leased or owned.
  3. Business Income – helps cover the loss of income when you can’t run your landscaping or arboriculture business because of covered property damage.
Learn more about our Business Owner’s Policy for your landscaping or arboriculture business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
The Hartford’s Business Income Extension for Off-Premises Operations may help replace income that is lost in the event that your landscaping business has to suspend operations because business property or equipment was damaged at a job site. For example, if a key piece of equipment is damaged at an off-site location, you may not be able to continue operations until that equipment is fixed. This coverage may help replace business income that is lost while work is suspended.
Landscaping and arboriculture business owners are careful when using dangerous chemicals but mistakes can happen. Herbicide/Pesticide Coverage is insurance that can help pay for expenses resulting from pollution by a pesticide or herbicide that your company used on a customer's property.
Contractors Tools insurance helps cover the costs to replace damaged or missing contracting equipment as well as the cost of debris removal and cleanup after an accident. For example, if your landscaping business is building an island garden at a customer’s new home and you arrive one morning to find that one of the tools you left at the job site was damaged, Contractors Tools insurance may help cover the cost to replace the equipment.
Installation Insurance helps protect your landscaping business’s profits in the event that a covered loss prevents you from completing an installation or meeting a project deadline. For example, if one of your employees accidentally damaged irrigation equipment that your company was installing and this caused a delay that resulted in missing the project deadline, Installation Insurance may help replace the income your business loses as associated with the incident.
Arborist and landscaping businesses may fall victim to data breach just as any other business. For example, if your work laptop containing landscaping clients’ and employees’ personal information is stolen, that confidential data may be at great risk. Data Breach insurance from The Hartford helps cover the costs associated with managing a breach and gives you access to services to help determine the severity of the breach and guidance on how to handle it.
Bundle Insurance Coverage for Landscaping Businesses
It’s easy to increase your Business Owner’s Policy (BOP) protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For landscapers like you we offer:
  • Contractors Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your landscaping or arboriculture business.

Additional Solutions

If you have employees, use a car for work, or work from home, your landscaping business may also benefit from:
Other Important Insurance Options for Landscaping Businesses
Required by most states, workers’ compensation provides benefits to your landscape or arboriculture business’s employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help you with related legal fees. Businesses, including landscapers and arborists, have been turning to The Hartford for workers’ compensation insurance coverage for more than a century.
Do you ever use your own vehicle for business, for example, to pick up plants, meet with landscaping clients to go over designs, pick up office supplies, or more? A Business Auto Policy provides coverage generally not included in a personal auto insurance policy. It can cover you or an employee when a personally owned vehicle, used for business purposes, is involved in an accident.
If you run your landscaping business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides insurance coverage not generally available with a homeowner’s insurance policy. Ask yourself, “Do I have customers come to my home, do I receive deliveries or mail for my business at my house, or do I have employees or inventory at my home?” If so, your agent or a representative from The Hartford can help you select the right insurance coverage to protect your landscaping or tree service business.

For Larger Firms

Larger landscaping & arborist firms typically require specialized insurance coverage.

Why The Hartford

For Workers' Compensation, we provide the right value and the best choice for small business owners.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.