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Landscaper insurance guide

General liability for landscapers

General liability pays when your crew's work injures someone who is not an employee or damages someone else's property.

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Claims landscapers see

  • A string trimmer or mower throws a rock through a car or house window
  • A crew member backs a trailer into a client's fence
  • A pedestrian trips over a hose or tools left on a sidewalk
  • An excavation for a plant bed cuts a buried cable or gas line
  • Overspray of herbicide damages a neighbor's garden

Completed operations

If a retaining wall you built collapses months later, or a tree you planted falls, completed operations coverage responds to resulting injury or damage. Hardscape and installation contractors should confirm completed operations limits.

Watch the exclusions

Many landscaper policies exclude or limit pesticide and herbicide application, tree work above a certain height, snow removal, and work on certain properties. If you do any of these, make sure they are covered. See pesticide liability and snow removal.

Certificates and additional insureds

HOAs, property managers, and general contractors usually require a certificate and additional insured endorsement before you start. Blanket additional insured endorsements save time when you have many commercial accounts.

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Frequently asked questions

Does general liability cover a rock thrown by a mower?

Yes, damage to a client's or neighbor's property, such as a broken window from a thrown rock, is a classic general liability claim.

Is damage to the lawn I'm working on covered?

Policies often exclude damage to the specific part of property you are working on. Ask how your policy treats your own work.

What limits do commercial property managers require?

Many require $1 million per occurrence and $2 million aggregate, plus additional insured status.

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Last updated October 15, 2026 · How we research