Buying landscaping insurance provides a set of policies that protect your business assets. Usually, landscapers and lawn care business owners need to consider the kinds of landscaping and lawn care services they offer, the vehicles they use to go from one location to another, and the kinds of equipment they use for each project.
There are a number of insurance companies that offer high-quality policies to landscapers and lawn care business owners. To simplify the process of finding one, we have selected the five best insurance companies for landscaping insurance:
- Hiscox: Best overall landscaping insurance company
- The Hartford: Best for providing pay-as-you-go workers’ compensation
- Coverwallet: Best for providing multiple quotes
- Progressive Commercial: Best for providing discounts for commercial auto insurance
- Bolt Insurance: Best for providing a general idea of available insurance providers per state
Hiscox: Overall Best Landscaping Insurance Company
Regarded as one of the best and most respected insurance providers for small businesses, Hiscox offers coverages suitable to the needs of more than 180 professions, including landscaping services. What makes Hiscox unique is its reliability in meeting the needs of small business owners by providing them with more than 500,000 insurance policies.
Notable appetite for landscaping services
Only offers general liability for landscaping and lawn care services online
Received 4.8 out of 5 rating from 2,069 verified reviews on their site
No mobile app
Best for small to midsized businesses (SMBs)
May not be able to get the quote immediately
Online policy application with instant quotes
Hiscox offers flexible payment options including monthly payments to help manage cash flow. In addition, it offers great services online and through its agents.
The costs for Hiscox depend on the size of the business, annual revenue generated, the number of employees, and the kinds of risks associated with the services being offered.
The Hartford: Best for Providing Pay-as-you-go Workers’ Compensation
The Hartford is considered one of the leading insurance companies in the country for providing insurance to most professions, including landscapers and lawn care business owners. The Hartford is known for top-tier customer service and getting an A+ (Superior) rating from A.M Best, making it a viable option for landscapers and lawn care business owners to consider.
The Hartford Strengths
The Hartford Weaknesses
Can get quotes online
Doesn’t provide insurance coverage in the following states: Alaska, Hawaii, and New Jersey
Has 4.8 out of 5 claims experience from over 18,000 reviews made on their website
May not always get the quotes immediately after signing up online
Has a mobile application―for both iOS and Android―where policyowners can process auto-related claims
Will still need to call them to get liability quotes
Received the highest customer satisfaction rating from JD Power on auto insurance claims
The Hartford offers pay-as-you-go through the SmartPay Reporting Services (SPRS) option and XactPay for workers’ compensation. Business owners that take advantage of the pay-as-you-go via SPRS don’t need to pay down payments, monthly billing, or finance fees and can get lower premium audit adjustments. Business owners getting its pay-as-you-go option through XactPay have the same advantages but also no service charges.
The costs for The Hartford depend on the size of the business, annual revenue generated, the number of employees, and the kinds of risks associated with the services being offered.
CoverWallet: Best for Providing Multiple Quotes
CoverWallet, a leading insurance broker, is best known for providing instant quotes and coverages from its many notable insurance partners, such as Liberty Mutual, CNA, Hiscox, Chubb, and Employers. In addition to providing the insurance companies’ price points and types of coverages, CoverWallet also provides payment plans and coverage amounts.
Can get quotes instantly
No mobile app
Policies are available for more than 50 professions in 24 industries
No established system with agents to quickly resolve policyowners’ issues
Ability to purchase insurance policies online
May not always get quotes from their partner insurance provider, in which case they provide estimated quotes
CoverWallet offers insurance policies such as general liability, workers’ compensation, commercial property, fiduciary, inland marine, and more from notable insurance partners to more than 20 industries.
Aside from costs, CoverWallet offers relevant information such as rating scores from A.M. Best and other credit rating agencies, coverage amounts, and payment plans.
For a small business with three full-time employees (including the owner) that has an annual revenue of $500,000 and offers excavation, property preservation services, and tree removal, CoverWallet offers general liability at $379 per month with $1 million liability occurrence and $2 million liability aggregate. On the other hand, using the same assumptions, AmTrust offers workers’ compensation at $733 per month with liability limits at $100,000 for maximum coverage for claims body injury by accident (per event), $100,000 for maximum coverage for claims body injury by disease (per employee limit), and $500,000 for maximum coverage for claims body injury by disease (policy limit).
Progressive Commercial: Best for Providing Discounts for Commercial Auto Insurance
Best known for providing numerous discounts for different kinds of vehicle owners under commercial auto insurance, Progressive Commercial is an insurance company that landscapers and lawn care business owners should consider. It offers an average discount that ranges between 10% and 15%.
Progressive Commercial Strengths
Offers discounts for auto insurance
No online chat assistance
Ability to pay, get roadside assistance, and report claims via Progressive app
Can only self-manage commercial auto policies through Progressive app
Has a mobile application to manage auto insurance
No online chat assistance
Can only request quotes for six insurance types: general liability, professional liability, BOP, WC, cyber insurance, and auto insurance
Progressive Commercial offers a program called the Progressive Advantage Business Program. This program provides access to insurance types that small business owners would usually get, like BOP, contractors liability, professional liability, cyber insurance, and workers’ compensation, and these insurance types are underwritten by carriers hand-picked by Progressive.
Landscapers and lawn care business owners who opt to get their trucks insured with Progressive can take advantage of a discount called the Smart Haul Program. This program can help new Progressive truck customers save an average of $1,106 on their premiums by allowing Progressive to access driving data from its electronic logging device.
In addition to the Smart Haul Program, Progressive offers eight other kinds of commercial auto insurance discounts to qualified customers. To be qualified, you must either:
- Have continuous insurance coverage for the last 12 months
- Be a new truck customer
- Have a business that has been active for more than three years
- Have insured your personal vehicles through Progressive
To learn more about commercial auto insurance coverage, providers, and costs read our article on commercial auto insurance.
Bolt Insurance: Best for Providing Available Insurance Providers per State
As an insurance marketplace, Bolt Insurance provides landscapers and lawn care business owners with the opportunity to get quotes from leading insurance companies. Business owners who choose Bolt Insurance have the advantage of knowing what available insurance carriers are offered per insurance policy per state, thus giving them a general idea of what carrier to expect when getting a quote.
Bolt Insurance Strengths
Bolt Insurance Weaknesses
Can get insurance from all 50 states
Did not include any information on their website about claims processing
Offers timely insights for business owners
Can only get quotes for industries listed on their online quotes webpage
Received 4.4 out of 5 ratings from an independent insurance review website
Services shown on their quotes webpage will depend on location of business
Can get quotes online
Bolt Insurance offers six commercial lines—namely BOP, commercial auto, cyber liability, general liability, professional liability, and workers’ compensation.
Bolt offers two products that landscapers and lawn care business owners need to know about—Bolt Access and Bolt Agency, which provide immediate access to the products and services of the country’s leading insurance carriers.
How We Evaluated the Best Landscaping Insurance Companies
Finding the best landscaping insurance companies means considering several things, especially since not all companies have the appetite, expertise, and capability to provide the best insurance coverage. In addition to price, we also took into account whether these insurance companies were able to provide their services in all states. Lastly, we considered how convenient it was for business owners to get information such as claims processing and estimated price points per insurance policy.
Landscapers and lawn care business owners need an insurance company that caters to their particular needs and can provide the best coverage at the right price. To determine which insurance company best suits your business, match your services with their corresponding risks and needs, and identify which company has an insurance policy that can address them. Our pick of the top five landscaping insurance companies should be a good place to start your search.