Landscaper insurance guide
Landscaping crew safety checklist
A short daily safety routine prevents most landscaping injuries and claims.
Equipment
- Guards in place on mowers and trimmers
- Clear work area of rocks and debris
- Stop engines before clearing jams
- Eye, ear, and leg protection
Heat
- Water, shade, and rest schedules
- Acclimatize new workers
- Know heat illness signs
Vehicles
- Pre-trip trailer checks
- Secure loads
- Spotters when backing
Digging and chemicals
- Call 811 before digging
- Licensed applicators for pesticides
- Label-compliant mixing and PPE
Frequently asked questions
What is the most common landscaping injury?
Cuts, strains, and struck-by injuries are among the most common; heat illness is a serious seasonal risk.
Do I need a written safety program?
A written program helps train crews consistently and supports insurance underwriting.
Should I call 811 for small digs?
Yes. Call before any digging.
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