Comprehensive Coverage for Your Trade
Comprehensive insurance for landscaping contractors in Bergen County. From lawn maintenance to hardscaping, we protect green industry professionals.
General Liability with landscaping class
Commercial Auto for trucks and trailers
Equipment coverage for mowers and tools
Pesticide/herbicide liability
Workers Compensation for crews
Snow removal coverage (seasonal)
Mower throwing rocks at cars or windows
Herbicide drift damaging neighbor plants
Falling branches during tree work
Hitting pipes or cables while digging
Wet grass or landscaping materials
Expensive mowers stolen from sites
Property damage and completed operations
Chemical application coverage
Mowers, trucks, and trailers
Trucks with equipment transport
Winter service liability
Specialized arborist coverage
Yes, standard GL often excludes or limits pesticide/herbicide claims. You need pesticide applicator liability, especially if you're licensed for restricted-use chemicals. This covers drift, overspray, and plant damage.
Snow removal significantly increases risk due to slip/fall claims and auto accidents. It requires separate coverage or endorsement. Some landscapers buy separate policies just for winter operations.
Basic tree trimming may be covered under landscaping GL, but tree removal, work above 15 feet, or near power lines often needs specialized coverage. Certified arborists may get better rates.
Avoiding tree work over 15 feet, limiting pesticide use, proper equipment maintenance, contracts limiting liability, and separating snow removal operations all help reduce premiums. Safety programs specific to landscaping also help.
Protect your business with comprehensive insurance coverage