Landscaping & Snow Removal Insurance – FAQs

1. What types of insurance do landscaping companies need?

The core policies are:

• General Liability 
• Commercial Auto 
• Workers’ Compensation 
• Inland Marine (tools & equipment) 
• Commercial Property (if you have a physical location)
  If you also do snow removal, you’ll likely need specific endorsements or separate coverage. 

2. Does General Liability cover damage to a client’s property?

Yes—if you accidentally damage a fence, sprinkler system, or siding while on the job, General Liability helps cover repair or replacement costs. It also covers bodily injury to others caused by your operations.

3. Do I need different coverage for snow plowing in the winter?

Yes. Snow removal is considered a higher-risk operation and often excluded from standard landscaping policies unless specifically added. You must disclose this service to your insurance carrier—otherwise, you could be denied coverage in the event of a claim.

4. How do I protect my trailers, mowers, and tools from theft or damage?

These are typically covered under an Inland Marine policy, which protects mobile equipment and tools whether they’re in your truck, at a job site, or in storage. Standard property insurance usually does not cover mobile equipment off-site.

5. Are my employees covered if they get hurt using power tools or equipment?

Only if you have Workers’ Compensation. It’s required in most states even for part-time or seasonal workers and covers medical costs and lost wages if someone is injured on the job.

6. What if I sub out some jobs to independent contractors?

You’re still responsible for ensuring those contractors carry their own valid insurance. You should collect Certificates of Insurance and verify active coverage. If they don’t have it and something goes wrong, the claim could fall on your policy.

7. What kind of insurance do I need for my work trucks and plow vehicles?

Commercial Auto insurance is required for any vehicle used for business purposes. If you attach a plow or trailer, make sure those are declared and covered. Personal auto policies typically exclude business use—even for a small business.

8. Do I need insurance if I don’t have a physical shop or office?

Yes. Even if you operate out of your home or a truck, you still have liability exposures and tools to protect. Liability, auto, and inland marine policies are must-haves, regardless of whether you have a brick-and-mortar location.

9. Can I pause or reduce insurance coverage in the off-season?

Some carriers offer seasonal rating options or allow you to remove certain coverages temporarily (like suspending physical damage coverage on vehicles not in use). However, you should never cancel your General Liability or Property insurance entirely—it exposes you to risk year-round.

10. What if a customer slips and falls on a property I just plowed?

Slip-and-fall claims are common in snow removal and can be costly. Proper General Liability (with snow removal specifically listed) and contract language with your clients are critical to protect yourself from these claims.

11. What limits of liability should I carry for landscaping or snow removal?

At a minimum, many commercial contracts require $1 million per occurrence / $2 million aggregate, but you may need higher limits depending on your client base (especially for municipal, HOA, or commercial jobs). An Umbrella policy can increase those limits affordably.

12. How does insurance help me win more contracts?

Clients often require proof of insurance before hiring you. Having proper coverage—and being able to provide Certificates of Insurance quickly—can give you a competitive edge and make your business look more professional.

13. How can I keep my insurance costs down without cutting corners?

• Bundle policies through one carrier 
• Keep claims history clean 
• Implement safety training and equipment maintenance 
• Hire experienced, properly licensed employees 
• Work with an agent who understands seasonal businesses (like we do)