Landscaping Contractor Insurance

Landscaping contractors need general liability, workers' comp, commercial auto (including trailers), and equipment coverage. Chemical application, tree work, and drainage/grading are what shape the program.

Key exposures for landscaping contractors

• Pesticide and herbicide application (pollution)
• Tree trimming/removal above ground level
• Drainage, grading, and retaining walls
• Auto, trailers, and towed equipment
• HOA and commercial maintenance contracts

Coverages a landscaping contractor typically needs

General liability, pesticide/herbicide pollution coverage where applicable, commercial auto with trailers, equipment coverage, and workers' comp.

Workers' comp note

Workers' comp varies between maintenance and construction work; tree work and equipment operation raise the hazard. See workers' comp in California and how your X-Mod works.

FAQ

Do landscapers need pollution coverage for chemicals?

If you apply pesticides or herbicides, a pollution endorsement is worth reviewing because standard GL can exclude chemical claims.

Is tree work covered under a landscaping policy?

Tree trimming and removal above ground level is higher-hazard and may need specific terms; disclose the extent of tree work.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; CSLB classes and coverage availability vary by operation and carrier. Related: contractor insurance · general liability · certificates of insurance · quick quote.