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Lawn and Garden Supplies

Lawn care and landscaping contractors have special considerations when it comes to running a business. Your clients count on you to keep their homes, offices, and city streets looking pristine, and that means you provide a service on their turf.

Landscape contractors design, install and maintain the exterior land or plot finish. Services offered may include installation of sod for a lawn or grass foundation, placement of trees, bushes, shrubs, flowers and other plants, or the addition of small retaining walls, fountains or other architectural enhancements. Some landscape contractors will change the contours of the grounds, while others will limit their work to planting or maintaining lawns and plants. Some landscapers install or winterize underground sprinkler systems. Others will provide a lawn or grounds maintenance service. Additional operations may include nurseries or lawn and garden shops.

Lawn Care companies generally provide lawn mowing and trimming services on a seasonal basis. Some lawn care services will provide a limited amount of additional services including mulching, planting, blowing and leaf removal.

Recommended Insurance Programs for Landscaping Companies and Lawn Care

Minimum recommended coverage:

  • General Liability Insurance
  • Inland Marine Coverage
  • Property Insurance
  • Hired and Non-Owned Auto (full commercial auto if vehicles owned by business)
  • Workers Compensation

Other coverage’s to consider for Lawn Care:
Business Personal Property, Employee Dishonesty, Contractors’ Equipment, Umbrella Liability, Building (if owned), Business Income with Extra Expense, Hail Insurance, Goods in Transit, Installation Floater and Employment Practices Liability Insurance.