Coverage areas to review
General liability
Liability coverage for a lawn and landscape operation is built around damage done to property you were not hired to touch, which in this trade happens constantly and usually at low cost. For this trade, two questions do the most work: whether you apply chemicals, and whether you perform snow and ice services. Both are commonly addressed by specific exclusions or endorsements, so the answer should not be assumed in either direction.
Workers compensation
If you have employees, expect the conversation to cover seasonal and part-time staff, which this trade uses heavily. Cuts, heat, lifting and equipment contact drive the exposure. Because payroll swings sharply across the season, an accurate estimate up front tends to mean fewer surprises when the audit comes around.
Commercial auto
Pickups, dumps and the trailers behind them, plus plow trucks in winter. Towing, loading and the number of people permitted to drive are the usual points. Adding a plow changes how a truck is used and should be reported rather than assumed.
Equipment, trailers and product
Mowers, trimmers, blowers, skid steers and plows are usually handled as equipment rather than under a liability policy. Coverage while equipment is on a trailer, at a customer site, or parked at your yard overnight can each be treated differently, and chemicals in storage raise their own questions.
This page is general information, not legal, safety or coverage advice. What a policy actually covers depends on your business operations and on the policy, carrier, terms, conditions, limits and exclusions that apply. Nothing here confirms eligibility or guarantees that any coverage is available to you.
