Tree & Landscaping Insurance for Small Businesses

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What Is Tree and Landscaping Insurance?

Whether treating a single tree, cleaning up after a storm or creating a sprawling outdoor paradise, your clients rely on your skills, expertise and equipment to help improve their outdoor living spaces. However, these projects typically require dangerous chemicals, chain saws and other equipment that can expose your business to some unique risks. That’s in addition to the other risks you face – like damage to your place of business or business-related records.
Fortunately, Tree and Landscaping Insurance can help protect businesses that face these risks regularly. This insurance helps cover losses specifically associated with damage to others property or your business’s automobiles. It also helps protect against theft and damage done to valuable tools as well as any personal injuries that result from running your business.

Who Needs Tree and Landscaping Insurance?

Tree & Landscaping Insurance benefits arborists, landscapers, tree trimmers, landscape architects, landscape designers and lawn irrigation contractors. Coverage that tree and landscape professionals typically consider include:
  • General Liability Coverage
  • Property Coverage
  • Commercial Auto Coverage
  • Inland Marine Coverage
  • Umbrella Coverage
  • Herbicide & Pesticide Application Coverage
  • Workmanship Error Coverage
Additional coverages frequently purchased along with Tree and Landscaping Insurance include:
  • Replacement of Broken Equipment with Green Technology Coverage
  • Property in Transit Coverage
  • Data Breach Coverage
  • Cyber Liability Coverage
  • Crime Coverage
  • Business Income Coverage
  • Business Income for Off-Premises Utility Services Coverage
  • Risk Engineering Coverage

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
We all depend on services such as power and communication in our everyday lives. For a landscaping business, these services are essential to the work you do.
Service interruptions are often beyond your control but have the potential to impact your income significantly. Consider the potential impact to your income if you needed to shut down due to:
  • A storm bringing down power lines resulting in your computer service being unavailable for several days.
  • A water main bursting and cutting off the water supply to your business. Due to the extensive work involved in repairing the break, you can’t open for 2 days.
Unfortunately, 40 percent of small businesses forced to close due to a storm will never reopen.* The Hartford’s OPUS coverage helps replace lost income, so you can pay ongoing expenses like rent and payroll. Our coverage automatically includes features you won’t find from many other insurance companies, including:
  • Only a 12-hour waiting period before coverage begins.
  • A $25,000 starting minimum coverage limit.
The equipment you own is important to your business and the jobs you are hired to do. Imagine the cost to your business when a riding mower, tiller or other higher ticket piece of equipment is damaged at a worksite.
That's the reason landscapers turn to Contractor's Equipment Coverage to help pay for the replacement or repair of equipment that has a value greater than $500 and is damaged on the job.
It doesn't matter if tools are leased, rented or owned by a business. They are all essential to operations.
So imagine the impact to your business if the equipment you depend on are damaged at a worksite.
That's why many landscapers secure Contractor's Equipment Coverage (Lease or Rented) to help pay for the replacement or repair of tools leased or rented from others under a written lease agreement.
The tools you use every day are important to your success as a landscaper.
Contractor’s Tools Coverage helps pay for the replacement or repair of tools, owned by their business. These tools are typically valued at less than $500, when they are damaged on the job.
Similar to most business owners, you are very careful about dangerous chemicals that you use on a regular basis such as herbicides and pesticides.
But imagine what could happen if:
  • You accidentally spray a pesticide on a customer's deck and it discolors the wood.
  • A customer needs medical help to manage a skin rash they claim was caused by a weed-killer you sprayed on their lawn.
That's why many small business owners purchase Herbicide/Pesticide Coverage. It can help pay for injury or property damage expenses resulting from the use of a pesticide or herbicide on a customer's property.
Every now and then a piece of equipment breaks down and you're forced to rent a replacement.
Depending on the type of equipment – a riding mower, power saw, snow blower – it can be very costly.
That's why many contractors add Rental Reimbursement Coverage. It can pay equipment rental fees so you can keep working while your damaged equipment is being repaired or replaced.
Although you’re careful when you plow your clients’ property after a snowfall, every now and then, something unexpected can occur.
Did you know you could be held responsible if you damage a client's outdoor lighting system, stone wall, planter, or other property while plowing?
That's why many plowing businesses choose Snowplow Operations Coverage. It can help pay for injury-related or property damage expenses resulting from operating your snowplow.
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.
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.
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.