Whether you’re maintaining lawns, installing gardens and landscape features, or providing commercial property care, you put your time, skill, and hard work into every job. With landscaping insurance from Berxi, you can help protect your business, your finances, and your equipment — with coverage that fits the way you work.
Landscaper insurance is a type of general liability insurance designed for landscaping businesses and professionals, both residential and commercial. It provides essential financial and legal protection if you accidentally damage someone’s property or cause an injury at work. For example:
Even small jobs can lead to unexpected general liability claims, which is why landscaping insurance coverage can be valuable whether you have a full-time business or do landscaping part-time or seasonally.
All landscaping businesses and professionals can benefit from landscaping insurance, including:
In many cases, general liability insurance may also be required to do business: residential clients, HOAs, and businesses often require proof before they’ll hire you, and contracts often specify that landscapers carry a certain amount of general liability insurance.
There are different types of insurance for landscapers, the most important of which is general liability insurance. Berxi offers general liability insurance for landscaping businesses and professionals, and you can add optional business personal property coverage to your general liability policy to protect your equipment.
General liability helps protect landscaping professionals and businesses from common risks that can arise while working on a client’s property. It covers third-party claims involving:
These types of claims happen unexpectedly, and the costs can add up quickly. That’s where general liability insurance for landscapers comes in: it helps cover the cost of medical bills, repairs, attorneys’ fees, and legal settlements and damages.
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect the tools and equipment you need to do your job. BPP coverage can help pay to repair or replace your landscaping equipment and other business assets if they’re damaged or lost. (Note that BPP generally doesn’t apply to normal wear and tear.)
Examples include:
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy by speaking with our in-house product specialist team.
If you use a truck or another vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport employees, equipment, tools, and supplies between job sites.
Professional liability insurance helps protect your landscaping business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s general liability insurance for landscapers starts at $500/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, landscaping businesses who choose Berxi save an average of 15% vs. other insurance companies. The fastest way to find out how much you might pay for landscaping insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting landscaping insurance is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
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Edward E.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che H.
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Yes. Even if you work alone, you can still be held responsible if someone is injured at your job site or a client’s property is damaged because of your work. Landscaping insurance can help protect you from costly claims, legal expenses, and other unexpected incidents that could otherwise come out of your own pocket.
Your base general liability insurance policy doesn’t cover damage to your own tools and equipment, but you can add optional business personal property (BPP) coverage to your Berxi general liability policy, which can help pay to repair or replace your tools, equipment, supplies, and other business assets in case they’re damaged or lost. Covered assets include lawn mowers, trimmers, leaf blowers, landscaping supplies, work computers, and many other items you use for your landscaping business. The BPP coverage add-on starts at just $115/year.
You can get your certificate of insurance one business day after purchasing your policy.
Berxi general liability policies are issued on an annual basis, meaning you’ll be covered for the full year. You can purchase a one-year policy starting at just $41/month.
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