---
title: Landscaping Insurance | Get a Quote | PJ&C Insurance
description: Get a quote on landscaping insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today.
---

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](/about), 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.

### Get a quote for landscaping business insurance

We’ll help you compare carriers and find the right coverage at a price that fits your business.

[GET A QUOTE](/insurance/specialty/landscaping-insurance/quote)

[GET SERVICE](/claims-services)

* * *

## 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](/insurance/business/commercial-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](/insurance/business/workers-comp-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](/insurance/business/commercial-property-insurance)

Covers buildings, storage sheds, and any business-owned assets stored at a fixed location.

### [Commercial Umbrella Insurance](/insurance/business/commercial-umbrella-insurance)

Extends your coverage limits beyond the caps of your liability or auto policies.

### [Commercial Auto Insurance](/insurance/business/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)](/insurance/business/employment-practices-liability-insurance)

Covers claims like harassment, wrongful termination, or wage disputes brought by employees.

### [Fiduciary Liability Insurance](/insurance/business/fiduciary-liability-insurance)

Protects against errors in managing retirement or benefit plans.

### [Crime Insurance](/insurance/business/business-insurance)

Covers employee theft or financial fraud within your business.

#### Money-Saving Tip

Bundling general liability, commercial auto, and inland marine insurance may qualify your landscaping business for multi-policy savings.

#### Coverage Tip

General liability won’t protect your tools or cover employee injuries. For landscapers, layered protection is key to covering jobsite risks and equipment in transit.

* * *

## 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](/insurance/business/builders-risk-insurance)

Useful for design-build firms, this type of insurance covers materials and structures during active construction or hardscaping.

### [Inland Marine Insurance](/blog/what-is-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](/insurance/business/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

### What kind of insurance do landscapers need?

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.

### How much does landscaping insurance cost?

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.

### What is landscaping liability insurance?

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.

### What type of insurance covers equipment theft or damage?

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.

### Do I need to name clients as additional insureds?

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.

### Why do small businesses need landscaping insurance?

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.

![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp)

  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.**

![Lauren M.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp)

  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.**

![Kevin G.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp)

  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.**

![Laura D.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp)

  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.**

![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp)

  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.**

![Troy R.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-4.94ddcfa4b7f8890cecb0d95c8670e5c7cc87e4f24ba2d9c234739fec89ddd1b3.webp)

  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.**

[MORE REVIEWS](/about/client-testimonials)

## Insurance Articles

from the Pepper, Johnstone & Company blog

[**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover)

[**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need)

[**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide)

[View all articles](/blog)

## Related Industries We Cover

[**— Excavation & Grading —** - For site prep & land clearing contractors](/insurance/specialty/excavation-contractor-insurance)

[**— Tile Installers —** - For flooring & wet-area experts](/insurance/specialty/tile-contractor-insurance)

[**— Painters —** - For interior & exterior paint professionals](/insurance/specialty/painter-insurance)

[**— Residential General Contractors —** - For builders managing multiple trades](/insurance/specialty/residential-general-contractor-insurance)

## Let’s Build Your Landscaping Insurance Plan

Your business needs protection as steady as your work. Call Pepper, Johnstone & Company at [866-865-3499](tel:+1-866-865-3499) or [request a quote online](/insurance/specialty/landscaping-insurance/quote) to build a landscaping insurance plan designed for growth and peace of mind.

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