One storm. One accident. One lawsuit. That’s all it takes to uproot your landscaping business.

As a landscaping business owner, you know the value of preparation. You plan for every detail—soil quality, plant selection, equipment maintenance—to ensure your projects thrive. But have you prepared your business for the unexpected? From stolen equipment to employee injuries, the risks you face every day can be as unpredictable as the weather. The right insurance coverage isn’t just a safety net—it’s the foundation that keeps your business growing strong.

Let’s dig into the essential types of insurance every landscaping business needs, why they matter, and how they protect your livelihood.

1. Business Owner’s Policy (BOP): The All-in-One Foundation

A Business Owner’s Policy (BOP) is like the Swiss Army knife of insurance for small businesses. It bundles three critical coverages: general liability, property insurance, and business interruption insurance.

General Liability Insurance: Imagine your crew accidentally damages a client’s irrigation system while installing new sod. General liability covers the cost of repairs or legal fees if the client sues.

Property Insurance: Your office, tools, and equipment are the backbone of your operations. If a fire destroys your storage facility, property insurance helps you replace what’s lost.

Business Interruption Insurance: What if a storm damages your office, forcing you to shut down temporarily? Business interruption insurance covers lost income and operating expenses during the downtime.

A BOP is a cost-effective way to get comprehensive protection, making it a must-have for landscaping businesses.

2. Inland Marine Insurance: Protecting Your Tools on the Move

Landscaping businesses rely on expensive equipment, from mowers to leaf blowers, that’s constantly on the go. Inland Marine Insurance ensures your tools and machinery are covered, whether they’re at a job site or in transit.

Example: Let’s say your crew is transporting a trailer full of equipment to a client’s property, and an accident damages your riding mower. Without Inland Marine Insurance, you’d be left footing the bill for repairs or replacement.

This coverage is especially critical for landscapers who frequently move high-value equipment between locations. It’s peace of mind on wheels.

3. Workers’ Compensation and Commercial Auto Insurance: Covering Your Team and Fleet

Your employees and vehicles are essential to your business. Protecting them isn’t just smart—it’s often legally required.

Workers’ Compensation Insurance: Landscaping is physically demanding work, and injuries can happen. If an employee strains their back while lifting heavy sod or suffers heat exhaustion on a hot summer day, workers’ comp covers medical expenses and lost wages. It also protects you from lawsuits related to workplace injuries.

Commercial Auto Insurance: Your trucks and trailers are the lifeblood of your operations. If one of your vehicles is involved in an accident while transporting materials, commercial auto insurance covers damages, medical costs, and even legal fees.

Example: A landscaping truck rear-ends another vehicle while en route to a job site. Without commercial auto insurance, you’d be responsible for repair costs, medical bills, and potential lawsuits.

Don’t Leave Your Business Exposed—Let’s Build Your Coverage Plan

Running a landscaping business is hard work. You’ve invested time, money, and passion into building something great. Don’t let unexpected risks uproot your success. At Hertvik Insurance Group, we specialize in helping landscaping businesses like yours find tailored insurance solutions that provide rock-solid protection.

Ready to protect your business and your peace of mind? Contact Hertvik Insurance Group today to learn more about the coverage options that fit your needs.