Insurance for Florida Landscaping and Lawn Care Businesses
Florida's year-round growing season keeps landscapers busy. It also exposes them to property damage, vehicle accidents, and injuries nearly every day.
General liability
A mower that throws a rock through a car window or a crew member who damages irrigation lines can lead to claims. General liability pays for that damage and legal defense.
Many HOAs and commercial clients require proof of liability coverage before you start work.
Vehicles and equipment
Commercial auto covers trucks and the liability of towing trailers. Inland marine or equipment coverage protects mowers, trimmers, and trailers from theft and damage.
Trailer theft is common, so use hitch locks and record serial numbers for every piece of equipment.
Workers' compensation
Florida non-construction businesses with four or more employees generally must carry workers' comp. Heat illness and equipment injuries make it important even for smaller crews.
Tree trimming and hardscaping may be classified differently, so describe your work accurately when getting quotes.
Frequently Asked Questions
- Does my personal auto cover my work truck?
- No. Business use requires commercial auto coverage.
- Is my equipment covered on a job site?
- Only with inland marine or contractor's equipment coverage.
- Do I need workers' comp as a solo operator?
- Not always, but clients may require it or an exemption certificate.
Let's make sure your coverage matches your life
Our team is based in Ruskin and serves all of Florida. Send us a few details and we'll review your coverage or build a quote — no pressure.