Colorado Landscaping & Lawn Care Insurance
Mowing crews, irrigation techs, hardscapers, and snow contracts: landscaping companies run diverse operations with surprisingly diverse claims. We insure Colorado landscapers year-round, including the winter work that scares other agents.
The landscaping insurance program
A mower-thrown rock through a window is the famous claim, but the expensive ones are slip-and-falls on snow contracts and irrigation lines through utilities.
- General liability for property damage and injuries arising from maintenance, installs, and hardscape work.
- Snow and ice management handled deliberately: many GL policies exclude or restrict it, and the contracts you sign shift serious slip-and-fall liability your way.
- Workers' compensation for seasonal crews, with payroll estimates built around your real season curve.
- Commercial auto and trailers: trucks, dump trailers, and equipment moving between dozens of properties weekly.
- Inland marine for mowers, skid steers, and trailers, including theft from yards and job sites.
- Pesticide and herbicide applicator coverage aligned with Colorado licensing.
Snow contracts deserve respect
Per-push and seasonal snow agreements often include hold-harmless language that makes you answer for ice claims at 6 am in February. We read the contract and structure the GL so the paper and the policy agree.
Utility strikes
Irrigation and planting work means digging, and digging means locates. Documented 811 practices keep claims rare and underwriters friendly.
Equipment theft is rising
Trailers and zero-turns disappear from yards and gas stations. Scheduled inland marine with realistic values beats arguing with an adjuster after the fact.
Landscaping insurance FAQs
Does my policy cover snow removal?
Only if it says so. Snow and ice management exclusions are common in landscaping GL, and signing a winter contract without checking is how landscapers end up uninsured for their riskiest revenue. We confirm it in writing.
Do seasonal workers change my comp?
Comp follows payroll, so seasonal swings are normal and manageable. The key is realistic estimates and clean records so the audit lands close to the quote.
Are my trailers and mowers covered on my auto policy?
Trailers get liability while attached, but the equipment on them needs inland marine. We schedule the big iron and blanket the small tools.
Does my policy cover damage from a falling tree I was trimming?
Tree work beyond light pruning is its own classification with its own rates, and serious arbor work may need a specialty market. Declare the chainsaw work honestly and we will place it correctly.
Am I covered applying fertilizer and weed control?
With pesticide and herbicide applicator coverage aligned to your Colorado license, yes. Drift and misapplication claims are the exposure, and licensing documentation strengthens both compliance and placement.
What insurance do snow removal contracts actually require?
Typically $1M liability with additional insured wording, sometimes higher for commercial lots, plus documentation discipline: logs of when you plowed, salted, and inspected. Those logs win slip-and-fall claims.
Are my crews covered driving between properties all day?
That is exactly what commercial auto with the right radius and use ratings covers. Personal-auto-insured trucks doing commercial routes are one of the most common gaps we find in this trade.
Get your landscaping quote
Services mix, payroll, equipment list, and whether you push snow. We will build the program around it.