Landscaper insurance guide
Tools and equipment coverage
Mowers, trimmers, blowers, and compact equipment are a landscaper's livelihood. Inland marine coverage follows them wherever they go.
What it covers
- Theft from trailers, trucks, job sites, and your yard
- Damage from accidents, fire, or vandalism
- Equipment in transit
- Rented and leased equipment, if added
Theft prevention
- Lock trailers with hitch and wheel locks
- Chain and lock equipment on open trailers
- Park inside a fenced yard overnight
- Record serial numbers and photos
- Use GPS trackers on high-value machines
Valuation
Choose between replacement cost and actual cash value. Replacement cost pays to buy new equipment; actual cash value deducts depreciation.
Get a tools and equipment quote.
Frequently asked questions
Are stolen mowers covered?
Inland marine or equipment floater coverage typically covers theft from job sites, trailers, and yards, subject to deductibles and security conditions.
Should I schedule each machine?
Schedule high-value items like zero-turn mowers and skid steers; smaller tools can be covered under a blanket limit.
Is rented equipment covered?
Rented or leased equipment coverage can be added for machines you rent.
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