Landscaping Insurance

Landscaping liability insurance is a specialized form of commercial insurance designed to protect landscaping-related businesses against claims of bodily injury, property damage, and related legal costs arising from their day‑to‑day operations.

At its core, landscaping liability insurance typically centers on commercial general liability (CGL) coverage, which helps cover incidents such as damage to a client’s property, injuries to third parties, or accidents caused by tools, equipment, or completed work. Depending on the operation, it may also extend to exposures like tree removal, chemical application, hardscaping, or work performed on commercial and municipal properties.

For landscaping companies, this coverage is essential to:

• Meet contractual and certificate of insurance requirements
• Protect against costly lawsuits and claims
• Safeguard long‑term business stability as operations scale

For insurance producers, landscaping liability insurance provides an opportunity to place operations‑driven, high‑demand coverage while helping clients manage real‑world risks and grow with confidence.

Landscaping businesses need insurance from Prime Insurance Company because their operations involve daily liability risks that standard policies may not adequately cover. As a specialty excess and surplus lines insurer with over 40 years of experience, Prime offers flexible, customized liability solutions designed for landscaping, tree, and lawn service operations—helping your clients secure the coverage they need while allowing you to place tougher risks with confidence.

Prime Insurance Company specializes in excess and surplus lines insurance for unique risks like landscaping businesses and services, offering tailored solutions, in-house claims handling, and a hands-on risk management approach to help mitigate future risks.

The cost of landscaping liability insurance depends on the specific details of each business, including the services performed, operational scope, risk exposures, and coverage requirements. Because no two landscaping operations are the same, Prime Insurance Company provides customized liability insurance solutions designed to align coverage with the actual risks your clients face—ensuring protection is tailored, appropriate, and built for their business needs.

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your landscaping insurance quote today by clicking the “Get Started” button above.

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Landscaping insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure landscaping-related businesses all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for landscaping businesses. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A-” (Excellent) rating by A.M. Best.*

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings