Your crew may make landscaping look easy, but the risks run deep. Pepper, Johnstone & Company partners with 60+ top-rated insurance companies to help landscaping contractors secure reliable coverage built for the realities of fieldwork, tools, crews, and client property.
Insurance for Landscaping Businesses
from Pepper, Johnstone & Company
Landscaping work involves more than mowing grass or planting shrubs. You’re operating powerful equipment, working on client property, and managing tight schedules, often in tough conditions. From damaged irrigation lines to employee injuries, your business faces risks every day.
It’s time to protect the business you’ve worked so hard to grow.
At Pepper, Johnstone & Company, we build landscaping insurance plans tailored to the needs of professional lawn care, design-build, and grounds maintenance teams. Whether you operate solo or manage multiple crews, we’ll help you protect your tools, team, and reputation from unexpected setbacks.
Why Insurance Matters for Landscaping Businesses
From power tools and vehicles to chemicals and terrain hazards, landscaping involves more liability than many realize. Without proper insurance coverage, even a minor incident can result in major financial losses. Without coverage, your business could face:
- Claims for bodily injury caused by equipment or crew
- Client lawsuits from property damage
- Stolen or damaged lawn mowers, trimmers, or blowers
- Workplace injuries that lead to lost wages and lawsuits
- Subcontractor disputes without clear additional insured documentation
- Gaps in coverage limits that leave you exposed
The right landscape company insurance helps you stay protected, stay compliant, and stay focused on growing your business.
Essential Coverage Options for Landscaping Contractors
Most landscapers benefit from a combination of the following:
General Liability Insurance
Covers third-party property damage and injuries. This general liability coverage protects you if a mower throws debris into a window or a client trips over a hose.
Workers’ Compensation Insurance
Workers’ comp covers medical care and lost wages for employees injured on the job, whether it’s heat stroke or a tool accident.
Commercial Property Insurance
Covers buildings, storage sheds, and any business-owned assets stored at a fixed location.
Commercial Umbrella Insurance
Extends your coverage limits beyond the caps of your liability or auto policies.
Commercial Auto Insurance
Protects trucks, trailers, and vehicles used to haul crews and gear. Includes liability and physical damage coverage.
Employment Practices Liability Insurance (EPLI)
Covers claims like harassment, wrongful termination, or wage disputes brought by employees.
Fiduciary Liability Insurance
Protects against errors in managing retirement or benefit plans.
Crime Insurance
Covers employee theft or financial fraud within your business.
Specialized Insurance Coverage for Landscapers
Landscaping professionals often work across multiple job sites, transport tools, and manage unpredictable terrain. These policies help fill critical gaps:
Builders’ Risk Insurance
Useful for design-build firms, this type of insurance covers materials and structures during active construction or hardscaping.
Inland Marine Insurance
Covers mobile tools and machinery—like lawn mowers, trimmers, and power augers—while in transit or stored in trailers or vehicles.
Surety Bonds
May be required for commercial contracts or municipal maintenance jobs. We help you secure and manage bond documentation efficiently.
Protect More Than Just the Grass
Pepper, Johnstone & Company helps small business owners go beyond the basics. We tailor business insurance for landscaping to protect against:
- Tool theft or damage in transit
- Injuries caused by sharp or motorized equipment
- Claims tied to over-fertilizing or landscape damage
- Contractual requirements for additional insured endorsements
- Uncertainty around landscaping insurance cost and real-world exposures
Whether you’re scaling up or fine-tuning your service area, we’ll make sure your coverage grows with your business.
Why Choose Pepper, Johnstone & Company
We’re an independent agency—not tied to a single provider—so we shop policies across 60+ insurance companies to find the best value. We know the ins and outs of insurance for landscaping, and we work with crews just like yours every day.
Whether you're starting fresh or fine-tuning a mature operation, we help small businesses protect what matters most—people, property, and potential.
Frequently Asked Questions About Landscaping Insurance
What landscaping professionals need to know
At minimum, most landscaping businesses need general liability insurance, workers’ compensation coverage, and commercial auto insurance. Depending on the scope of your services, inland marine, umbrella, property, and EPLI may also be essential.
As with any policy, your monthly costs will depend on your services, location, claims history, and number of employees. Solo operators may pay under $100/month, while larger teams with multiple vehicles and job sites will need broader protection. We’ll provide custom quotes for your business.
Landscaping liability insurance refers to general liability coverage that protects your business from third-party claims for property damage or bodily injury. It’s required for most commercial contracts and highly recommended for any service that involves equipment or chemicals on a client’s property.
Only inland marine insurance protects mobile tools and gear like trimmers, blowers, and lawn mowers while in transit or stored in work vehicles. Property policies don’t apply once gear leaves your main location.
Yes. Many commercial jobs require you to add the client or property owner as an additional insured. This protects them from liability tied to your work. We’ll help you issue documentation quickly and keep contracts compliant.
Even small businesses face big risks. In fact, the smaller your operation, the more damage legal fees or stolen equipment could do. Whether it’s an injury, a property damage claim, or a contract requirement, the right insurance gives you the financial protection to keep moving forward—even when something goes wrong.
What do people think about us?
We’re trusted by landscaping professionals who keep properties thriving.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs!
— Lauren M.
on Google
Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options.
— Kevin G.
on Google
This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else.
— Laura D.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business.
— Troy R.
Insurance Articles
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Let’s Build Your Landscaping Insurance Plan
Your business needs protection as steady as your work. Call Pepper, Johnstone & Company at 866-865-3499 or request a quote online to build a landscaping insurance plan designed for growth and peace of mind.