What type of insurance does a landscaping company need?

At a minimum, most landscaping businesses need general liability insurance, commercial auto insurance, workers’ compensation, and tools & equipment coverage. Depending on your operations, you may also need additional protection like a business owner’s policy (BOP), umbrella coverage, or pollution liability.

Running a landscaping company means working hard, being outdoors, and taking pride in every finished job—but it also comes with real risks. From property damage to employee injuries, the right insurance coverage helps protect your business, your team, and your bottom line.

Let’s break down the key coverages every landscaping company should consider.

General Liability Insurance (Must-Have)

This is the foundation of your business insurance plan.

What it covers:

• Property damage (like damaging a fence, siding, or irrigation system)
• Bodily injury (a client trips over equipment or debris)
• Legal costs if you’re sued

Why it matters:
You’re working on clients’ properties every day—accidents can happen. General liability helps keep one mistake from becoming a major financial setback.

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Commercial Auto Insurance

If you use trucks, trailers, or vans for your business, personal auto insurance won’t cover you. That’s where commercial auto insurance comes in.

What it covers:

• Accidents involving business vehicles
• Vehicle damage and repairs
• Injuries or property damage from auto incidents

Why it matters:
Your vehicles are essential to your operation and when you are constantly on the road it means you have constant exposure to risk.

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Workers’ Compensation Insurance

If you have employees, workers compensation insurance is typically required by law (depending on what state you do business in).

What it covers:

• Medical expenses for work-related injuries
• Lost wages during recovery
• Rehabilitation costs

Why it matters:
Landscaping is physically demanding. Injuries from lifting, equipment use, or slips are common, and workers’ comp protects both your employees and your business.

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Tools & Equipment Coverage (Inland Marine)

Your equipment is your livelihood and it doesn’t stay in one place, which is why you need inland marine coverage.

What it covers:

• Theft from job sites or trailers
• Damage to mowers, trimmers, blowers, and other tools
• Lost or misplaced equipment

Why it matters:
Replacing stolen or damaged equipment out of pocket can quickly add up and delay your jobs.

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Commercial Property Insurance

If you have a shop, office, or storage facility, this commercial property insurance is essential.

What it covers:

• Buildings and structures
• Stored tools, equipment, and materials
• Damage from fire, storms, or vandalism

Why it matters:
Unexpected events like fires or severe weather can disrupt your business—this helps you recover faster.

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Business Owner’s Policy (BOP)

A BOP bundles key coverages into one policy.

Typically includes:

• General liability
• Commercial property
• Business interruption coverage

Why it matters:
It’s often a more cost-effective way to get broad protection while simplifying your insurance.

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Additional Coverage to Consider

Depending on your services, you may also want:

✔ Umbrella Insurance
Adds extra liability protection above your existing policies.

✔ Cyber Liability
Important if you store customer data or accept online payments.

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How Much Insurance Does a Landscaping Company Need?

Your coverage should be tailored to your specific business. Factors include:

• Number of employees
• Services offered (basic lawn care vs. hardscaping)
• Value of your equipment
• Use of subcontractors
• Contract requirements from clients

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Protect Your Landscaping Business with Holley Insurance

Every landscaping business is different but having the right insurance in place is what keeps your operation running smoothly when the unexpected happens.

At Holley Insurance, we help landscaping companies find the right coverage without the confusion. Whether you’re just getting started or growing your crew, our team is here to guide you every step of the way.

Reach out today for a quick, no-pressure quote—and get back to focusing on what you do best. Get started here!

Build a Financially Unbreakable Future

At Holley Insurance, we don’t just sell insurance — we help Virginia business owners plan for long-term success. A strong insurance plan is part of your overall business strategy, ensuring that you can withstand challenges without losing momentum.

Because real success isn’t just about growing — it’s about staying strong, stable, and financially unbreakable.

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A little more about Holley Insurance…

Holley Insurance was founded in 2000, and retains a core base of loyal clients. We have locations in Roanoke, Rocky Mount, and Forest, VA. As an independent insurance agency, Holley Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.  If you’re interested in starting a quote online or having us take a look at your current policies, click here!