Insurance solutions for landscapers

Unforeseen events and accidents can occur while owning a landscaping business. That’s why having the right insurance is vital.

At Victor, we specialize in providing tailored insurance solutions to help you serve your landscaping clients with confidence and expertise. We offer a range of small business insurance solutions specifically pruned to the needs of landscapers, including:

Business owners policies
Cyber
General liability
Workers comp
E&S property and general liability

Download the Landscapers highlight sheet

Learn more about each individual coverage below.

Coverage highlights and appetite for landscapers

Compare quotes from multiple lines of business: CNA, Coterie
Available nationwide
Up to 50 employees
Sub-contracted work up to 50%
Up to $10M in sales*
Up to $1,000,000 in Payroll
Limits up to $3M in total insured property*
Liability limits up to $2M/4M
Multi-location available
New ventures welcome
Optional coverages: Blanket AI, Blanket Waiver of Subrogation, Primary Non-Contributory wording, Tools and Equipment coverage
Umbrella indication available with CNA BOP quote

*Dependent on provider and class code

Compare quotes from multiple providers: AmTrust, Coalition, Victor
Available nationwide
Revenues up to $250M
Limits up to $2M bind-able online
Limits up to $5M via referral
Cyber liability and Tech E&O coverage available

Compare quotes from multiple carriers: BTIS, Coterie, Hiscox, Homesite
Available nationwide
Up to 50 employees
Sub-Contracted work up to 50%
Up to $10M in sales*
Up to $1,000,000 in Payroll
Limits up to $3M in total insured property*
Liability limits up to $2M/4M
Multi-location available
New ventures welcome
Optional coverages: Blanket AI, blanket waiver of wubrogation, primary non-contributory wording, tools and equipment coverage, lawn care errors and omissions endorsement

*Dependent on provider and class code

Compare quotes from multiple carriers: AmTrust, CNA, Markel, Employers
Limits up to $1M/$1M/$1M
No payroll cap
Multi-state capabilities
New ventures eligible in most classes
Superior claims and loss control services
Blanket AI available

Multiple providers available: Joyn and Pathpoint
Payroll up to $300,000
Up to $3M in sales*
Limits up to $25M on scheduled TIV
Liability limits up to $2M/4M
Excess liability up to $5M
Multi-location available
New ventures welcome
Optional coverages: Blanket AI, Blanket Waiver of Subrogation, Primary Non-Contributory wording, Tools and Equipment coverage

*Dependent on provider and class code

Landscape gardening
Landscape gardening--No Tree Removal or Excavation--Office
Landscape gardening-No Tree Removal or Excavation--Shop
Landscape drivers
Lawn care services
Lawn maintenance - commercials or domestic
Lawn and yard maintenance - no oesticide or herbicide applications
Lawn sprinkler installation - office/shop

From branches and bumps to business bliss

05/15/2024

Avery is the proud owner of a landscaping business. One day, while his team was trimming trees at a client's property, a large branch accidentally fell and damaged the neighbor's car.

From roots to recovery

05/15/2024

One afternoon, while working on a client's property Ethan accidentally stepped on a hidden tree root and twisted his ankle. The injury was severe, and Ethan is unable to continue working until he recovers.

Securing the season

05/15/2024

Nikolas and Holly own a local landscaping company. During the holiday season they are known for creating stunning Christmas light displays for residential and commercial properties.

From weeds to wonders

05/15/2024

Oliver owns a successful landscaping business in a thriving suburban area. One unfortunate day, a group of teenagers broke into his equipment storage, stole several tools, and severely damaged other essential equipment.