Landscaper insurance guide
Commercial auto for landscapers
Landscapers spend much of the day on the road with heavy loads. Commercial auto covers the trucks and trailers that carry crews and equipment.
What to insure
- Pickup trucks and crew cabs
- Dump trucks and stake bodies
- Utility, enclosed, and dump trailers
- Liability for employees driving personal vehicles
Driver selection
Insurers review motor vehicle records for drivers. Set standards, check records before hiring drivers, and train on trailer hitching, load securing, and backing.
Cargo and equipment
Auto policies do not cover mowers, trimmers, and tools on the trailer. Pair commercial auto with tools and equipment coverage.
Frequently asked questions
Is my trailer covered by my truck policy?
Liability usually extends to a trailer while it is attached. Physical damage to the trailer itself typically must be scheduled.
Are mowers on the trailer covered by auto insurance?
No. Equipment on a trailer is generally covered by inland marine or equipment coverage, not auto.
Do employees driving their own trucks create exposure?
Yes. Hired and non-owned auto coverage protects your business when employees drive their own vehicles for work.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research