Landscaping Insurance

Landscaping insurance or insurance for landscapers provides insurance specific to meet the needs of today’s landscapers, landscape contractors and lawn maintenance companies.

Landscape contractors have specific needs and coverage requirements individual to their business operations. Operations can vary depending on your landscape business; from simple seasonal grass cutting to more complex commercial hardscaping businesses. Often landscape businesses may also have incidental winter or seasonal snow removal sales, which can increase your exposures. James Campbell insurance is here to help make sure your Landscaping business is properly protected.

Why do I need Landscaping Insurance

Your landscape business will be working offsite at clients’ properties, which means there is always a risk of causing property damage or bodily injury. A commercial general liability policy will protect you and your business from financial loss due to a client suing you for property damage or bodily injury your negligence may have caused.

As a Landscaper, do I need Commercial Property Insurance?

Typically, as a landscaper, you may own or rent a shop. If you own a shop, you will want to make sure it is insured correctly on a commercial property policy. Often people may be using outbuildings on their own personal property for commercial use. It is important to that these outbuildings are insured on a commercial property policy, as they would not be covered under your personal home policy.

Due to the nature of a landscaper’s operations, you likely have tools and equipment you use on the jobsite. These tools range from small hand tools, like shovels and rakes, to larger pieces of equipment, like stone saws, bobcats and even excavators. These tools and equipment are essential to your business and should be insured correctly.

Tool Floater for Landscapers

Most commercial property forms restrict coverage on your property to your premises, however, a tool floater will extend coverage for your tools to off premise exposures. Tools that have significant value are typically scheduled on your policy with a dollar limit of insurance. There is also coverage available on a blanket basis, which would provide coverage for all smaller tools like trimmers, blowers and hand tools.

Contractors Equipment Floater for Landscapers

This coverage is for movable equipment, like skid steers, excavators, tractors and larger pieces of equipment. This coverage can be offered on a scheduled basis, meaning each piece of equipment is listed on the policy with separate values. Or, for larger operations with significant amounts of moveable equipment, coverage can be offered on a blanket basis.

Installation Floater for Landscapers

As a landscaper, you may often have material and supplies onsite waiting for installation. An installation floater will provide coverage for your property or property which you may legally be liable for. Typically, coverage is provided for loss to property while in transit, while awaiting installation, or during installation.

How Much does Landscape Insurance Cost

Landscape insurance policies will vary depending on your company’s specific operations. Operations can range from small operators doing seasonal lawncare and property maintenance to large commercial landscaping companies doing hardscapes and winter snowplowing or property maintenance. There are many factors that will play into your insurance premium. James Campbell Insurance works with some of the top insurance companies in Canada and can help you and your landscape business secure the right coverage at the right price.

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Katrina Best

2023-02-12

I wanted to highlight the exceptional service provided by Brian Morton. He offered exceptional advice, limitless support, and endless patience while answering all my questions about travel insurance. He is thorough in his works and shows dedication to giving the best advice and service to all his customers. My family has trusted James Campbell with our car insurance for around 5 years, and we appreciate the continuous support in all types of insurance. Thank you Brian for explaining the logistics of different policies and breaking it down into an easy-to-understand way. I will be sure to use their services again in the future.

Ian Newton

2022-08-08

Excellent service from experienced people, Terri Lynn excellent knowledge and very responsive. Highly recommended.

Amanda Southern

2022-03-25

Terri-Lynn was amazing and super knowledgeable about our families needs for insurance. She made changing our insurance companies absolutely seamless. I definitely recommend her and James Campbell for anyone looking!!

Basil Fernandes

2022-03-07

I have been with James Campbell Insurance with home and auto insurance most of my adult life and Terri-Lynn Thompson has been there for me. Terri has always found the best insurance for my needs at any given time or circumstances. She is professional, gives great advice and guidance. I would highly recommend their services to anyone.

Michael Evans

2022-02-25

I have been with James Campbell Insurance for over 10 years now. I have nothing but good things to say, customer service is excellent. Terri-Lynn has been a great help over the years. Always finds what policies best work for us. Highly recommend for anyone looking for an insurance broker to work with!

H S

2022-02-24

Cannot say enough about James Campbell! Our family has used them for years and I only wish I had switched sooner. Having a dedicated broker to help walk through insurance questions has been invaluable (our past insurance company was a different call centre rep each time). Lesley is fabulous and we have also had great experiences with Terri-Lynn and Karen.

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