From planning in the office to seeing a vision come to life on a clients' property, landscape designers work with people in various settings. This could potentially lead to accidental injuries, property damage, and auto accidents. With the right insurance, you can protect your small business from these liabilities and risks.
These insurance policies protect against the most common risks for landscape design businesses.
General liability insurance covers landscape designers against legal fees from third-party property damage and injuries, such as a client tripping over a misplaced plant. It's often required for a commercial lease.
Small business owners and contractors are usually eligible for a business owner's policy, or BOP. It bundles a general liability policy and commercial property insurance at a discount.
Most states require businesses with employees to carry workers' compensation insurance. Personal health insurance won’t cover work-related injuries, which makes this policy crucial for sole proprietors too.
Vehicles owned by a landscape design business must have this coverage to comply with state laws. It helps pay for financial losses in an accident, including medical expenses and property repairs.
A type of inland marine insurance, this business equipment coverage protects your tools and equipment wherever you bring them. That includes items in transit, stored off-site, or used at a job site.
This policy helps landscape design companies survive data breaches and cyberattacks. It pays for customer notification costs when credit card numbers or other personal information is exposed.
From our customer data, here's a quick look at average landscape contractor insurance costs:
General liability: $51 per month
Business owner's policy: $80 per month
Workers' compensation: $184 per month
Factors that can influence landscape designer business owners' premiums include:
Hear from business owners like you who purchased insurance coverage.
Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.
Review answers to frequently asked questions (FAQs) about landscape designer small business insurance.
When building a comprehensive risk management plan for a landscape design company, small businesses, LLCs, and independent contractors may need additional types of insurance, outside of general liability coverage and workers' compensation coverage, to cover all risks and liabilities.
Some additional landscaping insurance products to consider are:
While landscape designers and landscape architects provide similar services, they aren't exactly the same and have several key differences.
Landscape designers typically design small residential projects to include gardens, patios, and outdoor living spaces. A designer usually has an undergraduate degree, or is self-taught through on-the-job training.
Landscape architects attend a university accredited by the American Society of Landscape Architects (ASLA), and focus more on commercial and industrial architectural projects such as public parks, waterfront development projects, and commercial centers. An architect usually obtains and maintains a state architect license, which requires passing a state exam.