Landscaping Company Insurance

Landscaping covers a huge risk range. A solo mowing route is one of the cheapest businesses in Washington to insure. A crew that removes trees is one of the most expensive. Most landscapers sit somewhere in between — and many grow into riskier services without ever updating their coverage.

Property damage is the everyday claim. Mowers throw rocks through windows and into windshields. Trimmers chew up siding and sprinkler heads. Dig for irrigation or a retaining wall and you can hit a gas line, a water main, or a fiber cable. One severed gas line can mean an evacuation, a fire response, and a five-figure repair bill. Call 811 before you dig — but old neighborhoods aren't always mapped right, and the risk never hits zero.

Tree work is its own animal. A falling limb doesn't negotiate. It crushes roofs, fences, cars, and worse. Many carriers refuse tree work outright, and many general liability policies exclude it above certain heights. If you take down trees — even occasionally — your policy has to say so explicitly. This is the most common fatal coverage gap in the green industry.

Your equipment is a target, too. Mowers, blowers, and trailers vanish from job sites and open trailers every week. General liability won't replace them — that takes inland marine coverage. A stolen commercial mower fleet can cost $10,000 to $50,000 to replace out of pocket.

Washington requires landscape contractors doing jobs over $3,000 to register with L&I and post a $15,000 bond. Spraying pesticides or herbicides requires a separate state license from the Department of Agriculture.

We quote landscapers across the whole spectrum. Tell us what you actually do — mowing, hardscape, chemicals, tree work — and we match you to a carrier that covers all of it. The cheapest policy that excludes half your services isn't cheap. It's a time bomb.