Arborist or Landscaping Business Insurance


Arborists and Landscapers Face a Broad Range of Risks

Arborists and landscapers face a broad range of risks including, damage to others property and utility lines from tree trimming, tree removals and lawn maintenance; damage to their autos; and theft and damage to expensive tools and equipment. Even so, landscapers and arborists can feel more confident knowing The Hartford is there to help them reduce risk and prevail through crises, lawsuits, and unexpected events.
Recommended Coverage for Landscaping or Arborist Businesses
Helps cover property damage, including damage to rented properties, and accidents related to running a landscaping or arborist business1. Coverage from The Hartford can also help protect business assets in the event of a lawsuit for claims of negligence, personal injury, false advertising, libel, slander, errors, omissions, and more. This coverage can be customized to meet the needs of almost any tree or landscaping business including: 
 
  • An aggregate limit that applies per project, rather than to all projects as a group
  • Automatic additional insured status for your work – including products-completed operations – when required by written contract.
  • Waiver of subrogation when contractually required in writing.
1 Must be written to qualify for program.
Our Property Choice® Insurance coverage helps protect the property a tree care or landscaping company owns and leases, including things like equipment, tools, inventory, furniture, and fixtures.
The Hartford also offers our optional Supplemental Property Insurance Coverage Endorsement (SPICE®), which can help cover:
 
  • Contractor’s equipment
  • Lock re-keying or replacement
  • Employee theft
Helps cover the vehicles that a business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, along with lease and loan gaps. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety. For tree care and landscaping firms, we offer optional auto pollution liability coverage.
Helps protect landscapers and arborists tools and equipment including coverage for things like chainsaws, chippers, and cranes.
Helps increase a business’s liability protection when a lawsuit maxes out the limits of the business’s underlying coverage.
Helps protect against bodily injury and property damage caused by the application of pesticides and herbicides on a client’s property.
Helps repair or replace trees, lawns or plants accidentally damaged or destroyed during the course of a job.
Additional Solutions for Landscaping or Arborist Businesses
Offers up to 25% of the adjusted loss from damaged covered equipment towards replacing it with green equipment that is more efficient and better for the environment.
Helps cover business property damaged during shipment. 
By adding Data Breach coverage to The Hartford’s Commercial General Liability policy, we can help a business comply with regulatory requirements, provide guidance on how to prevent and handle a breach, and cover response and liability expenses to quickly restore confidence in our policyholder’s business.
For arborists and landscaping businesses that conduct business online, our Cyber Liability option helps cover common risks to those businesses including loss of data due to things like computer viruses, malicious code or hardware theft. It also covers costs associated with the loss or theft of personally identifiable employee or client data including notifying victims, lawsuits, and public relations costs.
Helps protect tree care and landscaping companies against loss from employee theft and things like computer fraud and forgery.
Helps cover tree care and landscape company employees if kidnapped here in the U.S. and while traveling abroad on business.
Also known as business interruption insurance, this coverage from The Hartford helps protect against lost income if an arborist or landscaping business cannot operate because of a covered loss.
Helps cover lost business income if the company is not able to conduct business due to an interruption in utility services.
Helps cover the costs to recover or reconstruct accounts receivable records that are lost or damaged by a covered event, so businesses are able to reissue invoices and collect outstanding balances.
The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security. Learn more about our loss control support services.
 

For Smaller Firms

Smaller landscaping & arborist firms typically require specialized insurance coverage.
 

Find a Local Agent

The Hartford has agents across the country to help with your insurance needs.
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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.