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Landscaping & Arboriculture 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.
Larger landscaping and tree service operations typically require more customized coverage. Learn More
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.
Business 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.
Business 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.
Business Income – helps cover the loss of income when you can’t run your landscaping or arboriculture business because of covered property damage.
Landscaping companies and arborists depend on power and communication services every day. Business Income for Off-Premises Utility Services Coverage (OPUS) covers loss of income caused by interruptions in utility services beyond your control, such as when a storm takes down power lines and water and electrical service is unavailable. Unlike most other insurance companies’ offerings, OPUS coverage from The Hartford starts as early as 12 hours from initial interruption of utility service.
With OPUS, landscapers and arborists can get insurance that provides power interruption protection and safeguards their income against outages of other utilities as well.
The tools and equipment you use as a landscaper or arborist are vital to your business. Imagine the impact on your operation if the tools or equipment you rely on to provide services were lost, damaged or stolen. There is a range of insurance coverage options available from The Hartford that can help pay for the replacement or repair of all types of owned, borrowed, or leased tools and equipment used by arboriculture businesses and landscaping companies. The Hartford’s Business Owner’s Policy (BOP) even covers tools and equipment that are owned by your employees and used in your business operations.
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.
Landscapers and arborists depend on their computers to stay in touch with customers, estimate jobs, design projects, process bills, and more. Computers and Media Coverage helps pay to research and replace lost data and the resulting loss of business income, if your landscaping or arboriculture business’s computers sustain covered damage or a virus corrupts your files.
Do you plow snow in the winter to supplement your landscaping or arborist income? Did you know you could be held responsible if someone is injured or property is damaged as the result of the plowing you did? Snowplow Operations Coverage can help pay for expenses related to property damage or injuries resulting from your plowing services.
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:
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.
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.
The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.
Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates (CA lic #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.