Landscaping insurance covers general liability for property damage and injury, workers compensation for crews, commercial auto for trucks and trailers, and equipment cover for mowers and machinery. Herbicide and tree-felling work usually needs specific endorsement.
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ContinueCore coverage
Two lines carry the weight, and on a grounds book they pull in opposite directions: one follows the crew, the other follows the kit.
Medical costs and lost wages when a groundworker is hurt. Frequency lives with blades, strains and heat; severity lives with chainsaws, chippers and anything done above ground level. Premium is built on payroll, so a seasonal crew makes this the line that moves most.
Third-party injury and property damage arising from your work. A stone thrown by a mower deck through a window, a client who trips on a hose, a bed of shrubs that dies after the wrong application went down.
Mowers, blowers, chippers, aerators, hand tools. This is usually the largest asset a grounds business owns and the most exposed, because it sleeps outdoors more nights than it sleeps inside.
The trailer itself is a vehicle question, and what is strapped to it is an equipment question. Two different policies, and a gap between them that people find at the worst moment.
Trucks, plus hired and non-owned auto for a crew member running to the yard in their own car. Towing changes the rating, so say what you tow and how heavy it is.
Chemical application is treated separately from mowing, and often excluded outright unless it is added back. If you spray, this is not optional.
The yard, the shop, the fuel and the stock. Bundled into a business owner's policy for smaller operations.
Equipment is the schedule that dates fastest on this trade, because machines get replaced mid-season and rarely get added to anything. Our brokers reprice mowers, blowers and trailers against a current list rather than last spring's, and look at whether bundling the yard and the shop is the cheaper way to hold the rest.
Your operation
Most grounds companies do several of these, and the mix moves the rate more than the size of the business does. Pick the closest match to your revenue.
Route work, high volume, small tickets. The exposure is not the mowing, it is the two hundred properties a week where something can be thrown, scratched, sprayed or left open.
If you added tree work or chemical application since your last renewal and have not told anyone, that is worth a call before the next storm rather than after it.
Ask a grounds business what its biggest loss was and you rarely hear about a lawsuit. You hear about a trailer. Equipment on this trade is high value, highly portable and stored outdoors, and it is the loss that happens most, costs most in downtime, and is most often underinsured.
Where the cover sits, and where it does not:
Covered: Machines taken from a locked trailer or a secured yard, where the schedule lists them and the limit is current.
Not covered: The mower you bought in June and never added. Equipment cover pays against a schedule, and an unlisted machine is an uninsured one.
Covered: The trailer itself, on the auto policy rather than the equipment policy, if it has been declared.
Not covered: Anything taken from an unsecured, unattended trailer where the wording requires forced entry. Read that clause before you need it.
The second loss is the crew. Payroll drives comp, and a business that runs six people in winter and eighteen in July is quoted on an estimate and settled on the truth. That gap is the subject of the next section. Worth understanding how a class code gets assigned before the estimate is set, because the code does more work than the number does.
The gaps
Eight that matter on a grounds schedule. Several of them are the difference between a policy that answers in August and one that does not.
WHAT YOU NEED
A chemical application endorsement. Most wordings exclude application entirely unless it has been declared and added back.
WHAT YOU NEED
Tree work declared and rated. Some carriers cap the height, some decline it, and almost none of them cover it by accident.
WHAT YOU NEED
Equipment cover whose unattended-vehicle clause you have actually read. Forced entry is a common condition and an open trailer rarely satisfies it.
WHAT YOU NEED
A current equipment list. Cover follows the schedule, so a machine bought mid-season and never added is not insured at all.
WHAT YOU NEED
An underground strike buy-back if you dig for irrigation, footings or drainage. Excluded as standard on most wordings.
WHAT YOU NEED
Workers compensation. General liability answers for third parties, and a seasonal hire is still your employee.
WHAT YOU NEED
Commercial auto with the trailer declared, plus hired and non-owned. General liability stops at the tow hitch.
WHAT YOU NEED
Nothing, generally. Replacing your own failed work is a cost of doing business, not a claim. Price replacement into the contract.
The first two are the ones that quietly decide whether you have a policy at all in a bad month, because both are excluded by default rather than by exception. Speak to our team before you take on spraying or felling, and ask about cover for a seasonal crew at the same time.
The premium audit
Comp and liability are quoted on an estimate at the start of the year and settled on what actually happened at the end of it. On a seasonal trade that gap is wider than anywhere else, and it is the single most common unpleasant surprise in this book.
Premium is built on projected payroll and projected revenue. In a business whose headcount doubles between March and July, that projection is an estimate made at the least representative moment of the year.
At the end of the term the carrier compares the estimate to actual payroll and receipts. If the season ran hot, the adjustment lands as one invoice, after the cash from that season has already been spent.
A crew member who mows is not in the same class as one who climbs, and an uninsured subcontractor is frequently reclassified as your employee at audit. Both are decided on paper you should keep during the season, not assemble afterwards.
None of this is avoidable, but all of it is predictable. A realistic estimate, honest class splits and certificates collected from every subcontractor turn the audit into an adjustment rather than an event. It is also where the modifier on your renewal starts being decided.
Speak to our teamSeason check
A grounds policy is quoted on a snapshot and lived in across twelve very different months. Every line here is something that changes the wording, the rating or the audit. Nothing is priced and nothing is submitted.
What the schedule would have to carry
Nothing ticked yet. Choose what your season includes and the schedule it implies will build here.
Take this into the renewal conversation. Declaring work you already do costs a fraction of discovering it was never covered.
Speak to our teamCost
No flat answer exists, and on a seasonal trade a published figure is even less useful than usual. Six inputs move a grounds premium more than the rest.
Comp is built on payroll and the audit settles on the real number. A business that quotes on its winter crew and works with its summer crew is buying a bill it has not budgeted for.
Nothing else on this list changes the file as much. Climbing and felling move the comp class, the liability appetite and the list of carriers who will quote at all.
Whether you spray, what you spray and who holds the licence. It is rated separately from mowing because it fails differently.
The schedule total, and whether machines are yarded, garaged or left on a trailer. Storage moves this line more than the total does.
Vehicle count, what you tow and how far you travel. Towing is rated, and an undeclared trailer is a claim waiting to be argued.
Three years of loss runs and the modifier they produce. On a high-frequency trade the modifier compounds faster than most owners expect.
Three marks is an input that moves a grounds premium more than the others listed here. It is a relative weighting drawn from how these behave on a seasonal trade, not a rate and not a quote.
Comp is the larger half on almost every grounds book, and it is decided by payroll and class before anyone considers your safety record. The half you can move is the accuracy of what you declare. Request a quote and we will come back with real numbers against your real season.
Talk to an expertProcess
We understand your business first, then take it to the carriers who want to write it. An advisor walks you through the options and what they cost. No two files are the same, so what follows is the shape of a placement rather than a script.
What you do, where, with how many people, and what your contracts oblige you to carry. Those answers decide which markets will look at the file at all, and how much of the rest of this applies to you.
One set of information goes to underwriters with genuine appetite for your work rather than whoever happened to quote last renewal. An advisor talks you through what comes back and what it costs.
A main contractor wants proof before your crew can start, and this is how COIs get issued here. We read the certificate request against your contract so it asks the carrier for the wording that contract needs rather than a generic form that usually fails review.
Not by federal statute, and licensing varies far more than it does for the building trades. What makes it compulsory in practice is the contract: property managers, HOAs and councils all require proof of general liability before a crew sets foot on site. Workers compensation is the exception that is genuinely mandatory, in every state but Texas, with the employee count that triggers it set locally.
The two answers that move it most are your peak payroll and whether you touch trees. Everything else, equipment values, truck count, spraying, loss history, adjusts around those. We would rather ask what your July looks like than publish a figure calculated on somebody's January.
Usually yes, with two conditions that catch people out. The machine has to be on the schedule, so anything bought mid-season and not added is uninsured, and the unattended-vehicle clause often requires forced entry, which an open trailer does not satisfy. Both are worth reading before a bad Monday morning.
Generally yes. Most standard wordings exclude herbicide and pesticide application altogether, and add it back only when it has been declared. If a proportion of your revenue is applications, that has to be on the submission rather than discovered at claim stage.
More than anything else you could add. Climbing and felling move the workers comp class, change the liability appetite and shorten the list of carriers willing to quote. Some exclude felling above a stated height outright. Tell your broker before the first job, not at renewal.
That will be the premium audit. Comp and liability are quoted on estimated payroll and revenue, then reconciled against actuals at the end of the term. On a seasonal business the estimate is nearly always low, and the correction arrives as a single invoice once the season's cash has gone.
Not as subcontractors, and often worse than that. If a sub cannot produce a certificate, carriers routinely treat their payroll as yours at audit and charge you for it, and their injuries can land on your comp. Collect certificates before anyone starts, not after.
If you take it, yes, and it should be declared separately. Snow and ice operations carry a slip-and-fall exposure that behaves nothing like mowing, and a policy rated purely on grounds maintenance may not contemplate it at all.
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Tell us what your season actually looks like at its busiest, and we will come back with terms that survive the audit at the end of it.
