Landscaper Insurance – Coverage That Grows With You
Whether you're mowing lawns, installing irrigation systems, or turning backyard dreams into reality, running a landscaping business comes with its fair share of risks. One wrong cut or equipment mishap can turn into a costly headache. That’s why Dwight Lynn Insurance Agency, Inc. offers tailored landscaper insurance — built to protect your tools, your team, and your reputation. Let’s dig into what you need and why it matters.
Why Landscaping Businesses Need Insurance
You work outdoors, you handle sharp tools, and you’re often on someone else’s property. Whether it’s a lawnmower through a fence or a slip-and-fall on a newly watered lawn, accidents can happen — and you could be held liable. Insurance helps cover unexpected claims so you can focus on what you do best: making yards look amazing.
Plus, many clients (especially HOAs and commercial properties) won’t hire uninsured contractors. Having a solid policy can give you a competitive edge.
Key Coverages for Landscapers
General Liability: Covers damage to property or injuries to others caused while working.
Commercial Auto: Protects your work truck, trailers, and crew if there’s an accident on the road.
Tools & Equipment: Covers stolen, lost, or damaged tools — from trimmers to trenchers.
Inland Marine: Great for mobile businesses — protects equipment in transit or at job sites.
Workers' Compensation: Required if you have employees. Covers injuries, medical costs, and lost wages.
Business Owner’s Policy (BOP): Combines general liability and property coverage into one convenient policy.
Estimated Monthly Costs
| Policy Type | Typical Monthly Premium |
|---|---|
| General Liability Only | $35 – $75 |
| GL + Tools & Equipment | $60 – $110 |
| Full Coverage (BOP + Auto + WC) | $150 – $300+ |
We’ll work with your budget and make sure you’re not overpaying — or underinsured. Dwight Lynn Insurance Agency, Inc. shops top-rated carriers to match you with the best policy for your needs.
Who We Cover
- Lawn care professionals
- Irrigation system installers
- Hardscape & landscape designers
- Tree trimmers & stump grinders
- Fertilization & pesticide applicators
Whether you’re just starting out or managing a multi-crew operation, we can help protect your business every step of the way.
Why Landscapers Trust Dwight Lynn Insurance Agency, Inc.
- We get your business. Our agents understand outdoor work and seasonal needs.
- Flexible payment options. Monthly, annual, and bundled discounts available.
- Fast certificates. Need proof of insurance for a client? We’ll send it same-day.
We don’t just protect you — we partner with you to help your business grow safely and confidently.
Let’s Get Growing
Running a landscaping business means you’re busy — but protecting yourself doesn’t have to be complicated. One quick call or click and you’re on your way to reliable, affordable coverage tailored to your business.
Call us at 831-722-3895 or click below to start your free landscaper insurance quote.