🌿 Landscapers Insurance

Insurance for
California
landscapers.

Flying debris, equipment damage, pesticide liability — landscaping and lawn care businesses face real risks. We build coverage packages for landscapers, tree services, and irrigation contractors.

✓ General Liability✓ Workers Comp✓ C-27 License Bond✓ Commercial Auto
Carriers We Work With
HartfordTravelersICW GroupEmployersCNA+ 15 more
✦ Free & No Obligation

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Fast quotes · Licensed agents · Real savings

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Tell us about your business
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Why CoverGuard
Why landscapers choose CoverGuard
We understand landscaping liability — flying debris, pesticides, and irrigation leaks.
🌿

A rock through a window. A pesticide mishap. A slip on wet grass.

Landscaping looks simple, but the liability exposures are real. Mowers and blowers turn rocks into projectiles. Pesticides drift onto neighboring properties. Irrigation leaks flood interiors. We cover it all.

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C-27
CA Landscaping Contractor License Classification
⚡

Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

$1M
Typical GL limit for landscaping contractors
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for landscapers — not a generic business policy that misses your exposures.
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General Liability
Covers property damage and bodily injury from your landscaping operations.
  • Flying debris damage
  • Pesticide drift liability
  • Third-party bodily injury
  • Completed operations
Core
👷
Workers Compensation
Required by CA law. Landscaping crews face heat, equipment, and chemical risks.
  • Equipment injuries
  • Heat illness claims
  • Chemical exposure
  • CA compliance
Required
🚛
Commercial Auto
Covers trucks, trailers, and tow vehicles hauling equipment.
  • Work trucks & trailers
  • Equipment in tow
  • Hired & non-owned
  • Fleet coverage
Core
📋
C-27 License Bond
Required by CSLB for C-27 Landscaping Contractor license.
  • CSLB requirement
  • $15,000 minimum
  • Fast issuance
  • Renewal reminders
Required by CSLB
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Equipment / Inland Marine
Covers mowers, blowers, and irrigation equipment.
  • Ride-on & walk-behind mowers
  • Blowers & trimmers
  • Irrigation systems
  • Theft from trailer
Recommended
☠️
Pesticide Liability
Covers chemical drift, contamination, and related claims.
  • Pesticide drift claims
  • Chemical contamination
  • Neighboring property damage
  • Regulatory fines
If Licensed Applicator
Common Questions
Everything you need
to know.
Does GL cover damage from flying debris?+
Yes — property damage from your operations, including debris thrown by mowers or blowers, is covered under a properly written GL policy.
What's pesticide liability and do I need it?+
If you apply pesticides or herbicides, standard GL may not cover chemical drift or contamination claims. Pesticide liability is an important add-on.
Do seasonal employees need workers comp?+
Yes. Any employee — full-time, part-time, or seasonal — must be covered by workers comp in California.
How much does landscaper insurance cost?+
Most landscaping businesses pay $1,200–$3,500/year for GL + commercial auto. Workers comp is separate and priced on payroll.

Get landscaper coverage today.

Fast certificates. California-compliant. Crew-ready.

Get a Free Quote → 📞 (562) 758-1200
🌿 Get My Landscapers Quote