Landscaping Insurance
for Every thrown rock, cut line,
and collapsed wall
Why Landscapers Need Insurance
A mower throws a rock through a client’s sliding glass door. A trencher cuts a buried gas line or fiber cable. Herbicide drifts over the fence and kills the neighbor’s lawn. A retaining wall you built two seasons ago starts to lean. Landscaping work looks routine, but it creates claims that can cost far more than the job paid.
At Affordable Contractors Insurance, we build coverage for landscapers, lawn care companies, hardscape and irrigation contractors, and property maintenance crews. Whether you’re mowing HOA common areas, installing pavers, or running a full design-build operation, we protect your work, your equipment, and your crew so you can keep your routes running.
Protect Your Contracting Business with Insurance - Save Up to 25%
Start with as little as 20% down.
Why Landscapers Trust ACI for their Insurance Needs
QUICK QUOTES & CERTIFICATES
Property managers, HOAs, and GCs won’t let you start without a COI. Get same-day binding and fast certificates, including additional insured and waiver of subrogation wording, so you never lose a contract over paperwork.
AFFORDABLE PREMIUMS
Save up to 25% by bundling general liability, equipment, commercial auto, and workers’ comp into one landscaping insurance package built around your actual services.
NATIONWIDE SUPPORT
From year-round crews in Arizona and Florida to seasonal operations that switch to snow removal in winter, we write state-specific policies that keep you compliant wherever you work.
Coverage You Can Count On
What Does Landscaping Business Insurance Cover?
General Liability Insurance
Covers third-party injuries and property damage, like a rock thrown through a window, a damaged vehicle in a client’s driveway, or a sprinkler line you nicked.
Landscaping Equipment Insurance
Protects mowers, trimmers, blowers, skid steers, and trailers from theft or damage, on the job, in transit, or parked overnight.
Workers’ Compensation
Landscaping is physical, fast-paced work involving blades, heavy lifting, and heat. Workers’ comp covers medical bills and lost wages for injured crew members, including seasonal staff.
Pesticide & Herbicide Application Coverage
Standard GL policies usually exclude chemical drift and pollution-type claims. If you apply fertilizer, weed control, or pest treatments, this endorsement closes that gap.
Commercial Auto Insurance
Covers your trucks and the trailers you tow. Personal auto policies typically won’t respond when a work vehicle causes an accident.
Completed Operations Coverage
Covers claims after the job is done, such as a failed retaining wall, a patio that settles, or grading that sends runoff into a neighbor’s foundation.
What Happens Without the Right Insurance?
Operating without landscaping coverage puts your business at risk.
If your crew cracks a client’s windshield, damages an irrigation system, or kills a lawn with the wrong chemical, the cost of repairs and replacement comes out of your profits.
Mower and trimmer injuries, falls from ladders or tree work, and heat illness happen fast. Without coverage, you could be responsible for medical bills and legal fees.
A collapsed retaining wall, a trip hazard on new pavers, or drainage problems can lead to lawsuits long after the job is paid. Without coverage, attorney fees and settlements could shut you down.
Fast, Reliable Service Every Step of the Way
At ACI, we know your time is valuable. That’s why we’ve made the process simple and fast:
Get a Quote in Minutes
Submit your info online for a quick landscapers insurance cost estimate.
Speak to a landscaping Coverage Specialist
Our agents know the industry and will tailor your policy.
(888) 505-9012
Start Coverage Today
With as little as 20% down and you’re ready to go.
Request Certificates Anytime
Fast, easy access to certs when you need them.
Get landscaper's Insurance Quote Today
Stay focused on your routes and installs, knowing your business is protected. Answer a few quick questions, and we’ll build a custom policy around the services you actually offer: maintenance, hardscape, irrigation, tree work, or snow removal.