6 Best Landscaping Insurance Companies for 2023

The Hartford offers middle and large arborist businesses inland marine coverage that will cover wood chippers and cranes. This product stood out, as most providers will not cover tree work or have a cap of work no higher than 30 feet, but there’s no online quote for it.

However, for landscape insurance, we received a quote for a business owner’s policy (BOP) for $241.75 monthly. This included $20,000 in property coverage with a $1,000 deductible. The general liability limits were $500,000 per occurrence and $1 million aggregate.

The provider also offers optional coverage for workmanship error—this helps repair or replace trees, shrubs, or lawns you damage while performing your job.

The National Association of Insurance Commissioners (NAIC) keeps track of complaints filed with state departments of insurance. Complaints against the company are lower than the national average.

There are multiple ways to communicate with it about your policy and claims. You can work with your independent agent or contact The Hartford directly. Otherwise, you can manage your policy and get an instant COI online.

The Hartford has been insuring homes, businesses, and even colleges since 1810. It has maintained a strong financial position to handle claims with a rating of A+ (Superior) from AM Best.

Progressive sells commercial auto and business insurance. It also acts as a broker through Progressive Business Advantage and will find insurance for your business if it cannot meet your needs.

We were able to get a quote for a BOP insured by Progressive for $2,145 annually. This carried $20,000 in property and a liability limit of $1 million per occurrence and $2 million aggregate.

Progressive also offers many ways to save on your insurance through its discount programs, such as savings for prior insurance or saving 15% if you pay your premium in full.

Progressive offers commercial auto insurance in all 50 states.

Complaints filed with the NAIC are average—meaning it is in line with what you would expect for a company of its size.

Progressive is available 24/7 for claim services, and if you selected roadside assistance coverage, it’ll tow your commercial vehicle to the closest repair facility. Unfortunately, there isn’t much available information on its online policy management options, including how to obtain a COI.

Progressive is financially stable and assessed to be able to handle claims for its policies. It has a financial rating of A+ (Superior) from AM Best.

We received an online quote for general liability with $1 million per occurrence and $2 million aggregate limits. It also provided a quote for equipment coverage of $2,500 with a $250 deductible. The total cost was $926 annually. To purchase the quote, you need to speak to an agent on the phone.

There is minimum customization with its online process, but one thing that stood out is the deductible options of $250, $500, or $1,000.

Acuity’s Bis-Pak BOP is only available for subcontractors with three or more years of experience and payroll up to $2.5 million. However, the commercial policy package and general liability are available for many contractors.

Within the insurance industry, Acuity is known as a place people want to work. Usually, happy employees mean a better experience for the customer, so it is no surprise that Acuity had zero complaints, the lowest level of all providers reviewed.

It offers an online portal for account management, including generating an instant COI. It is also available 24/7 for claims services.

Acuity insurance was founded in 1925. It has slowly expanded and maintained a strong financial position with a rating of A+ (Superior).

After entering the information on your business, Next offers three policy packages for landscaping companies. The basic package includes general liability and professional liability, with limits of $1 million per occurrence and $2 million aggregate and $25,000 per occurrence and $50,000 aggregate, respectively. This costs $523.71 monthly.

The premier package has the same liability offering but includes $5,000 in commercial property with a $500 deductible. It also has an additional $1,000 for miscellaneous tools and $5,000 for borrowed or rented tools. We recommend this package, and it only costs $568.26 monthly.

Finally, the deluxe package has the same coverage as the premier package with an additional $16,000 in office furniture and contents coverage. This package includes equipment breakdown and has miscellaneous other coverages, such as $2,500 for signs. It costs $657.97 monthly.

Next Insurance is available in 48 states. Complaints are lower than the national average.

In terms of convenience, Next offers iOS and Android mobile apps. Through it, you can manage your policy, including coverage changes, and receive claim status updates. You can also have access to an instant COI. So, if you need to add an additional insured and show coverage for a job, you can do this nearly instantly on your phone.

Next is the youngest insurance company in this review, having been founded in 2015. However, it has a strong financial position with a rating of A- (Excellent) from AM Best.

We received a quote for general liability for $2,068 annually. The policy carried a limit of $1 million per occurrence and $2 million aggregate.

Hiscox has blanket additional insured language built into its general liability form, making it easier for you to work with businesses that need to be listed on your policy. It also offers flexible payment options with no added fees. For liability, aggregate limits up to $5 million per location and project are available. The higher limits are not available online, so you’ll need to speak directly with an agent to request it.

Complaints with the NAIC are higher than average for Hiscox. However, on Feefo, there are more than 1,000 reviews with an average of 4.7 out of 5.

Hiscox doesn’t have 24/7 availability for claims but you can file a claim online at any time. If it’s an emergency, you will receive the contact information after filing the claim to move things forward.

You can manage your policy, file a claim, and get an instant COI online.

Hiscox is a global insurer that has been around for more than 100 years. It has a strong financial position, with a rating of A (Excellent).

We received four quotes from CoverWallet, with two for general liability and two for a BOP.

Both general liability policies carried limits of $1 million per occurrence and $2 million aggregate. One was from Hiscox and cost $2,068, and the other from Chubb cost $1,795 annually. The Chubb policy carried additional coverage for hired and nonowned autos.

The BOP quotes were from Chubb and CNA. Both carried the same liability limits of $1 million per occurrence and $2 million aggregate, along with $20,000 in contents and equipment coverage. The main difference was in deductible for commercial property and price. Chubb carried a $500 deductible and cost $1,895 while CNA had a $1,000 deductible and cost $2,863.

CoverWallet is licensed in all 50 states and Washington, D.C.

Beyond its convenient comparison tool for quotes, CoverWallet offers a number of convenient services for customers. There is a tool for determining which coverage you need. An online account called the Wallet is where you can manage your policy, find information to file a claim, and get an instant COI.

If you want to reach out to one of its reps during its business hours, you can call directly or schedule a call.

In addition to providing quotes from multiple top-rated carriers, CoverWallet is owned by Aon. Aon has a rating of A (Excellent) from AM Best.

Landscaping company insurance is a combination of policies that protect your business from financial loss. A core policy for landscapers is general liability, which offers protection from claims of bodily injury and property damage by third parties. If you own equipment, inland marine or property insurance should be considered as well.

Quotes that we received for a BOP ranged from $1,895 to $7,895. A large part of the premium calculation for landscaping insurance companies is focused on the type of work you perform. For example, tree trimming services are inherently risky as are companies that use herbicides and pesticides.

Many landscape companies offer snow removal services in the winter. Depending on the provider and your business, you can obtain an endorsement for this business. Some companies, such as Hiscox, offer coverage for snow blowing and snow removal for its landscape policies. Before purchasing a policy, make sure you review it carefully and have communicated all of your business operations to the provider.