Running a landscaping business is no walk in the park. Whether managing a team of lawn care professionals or hauling materials to and from job sites, you're constantly exposed to risks.
They range from employee injuries to fender benders with company vehicles. That’s why having the right insurance coverage is essential.
However, if you’ve started looking into landscaping workers' comp or commercial auto policies, you probably realize how complex the process can be. There's a lot to navigate between understanding state regulations and finding a provider who truly understands your industry.
But the right coverage can protect your team, keep you compliant, and help your business grow safely. Let’s take a closer look at commercial auto coverage and workers' comp insurance for landscapers.
Landscaping work is physically demanding. Employees operate heavy machinery, use sharp tools, lift heavy loads, and spend long hours in unpredictable weather.
These factors increase the likelihood of workplace injuries, from back strain and cuts to heat exhaustion and slip-and-fall accidents.
That’s where landscaping workers' comp becomes essential for your business. Workers’ compensation insurance is required in most states and provides benefits if an employee gets injured or becomes ill because of their job.
A solid landscaping workers' comp policy typically includes:
According to the Centers for Disease Control (CDC), landscaping is one of the more dangerous occupations in the United States, with higher-than-average rates of injuries when compared to all industries. As a result, having comprehensive, robust workers’ compensation coverage is needed to help protect both your employees and your bottom line.
While all businesses need to comply with state workers’ compensation laws, not every policy is designed with landscapers in mind. A provider that understands your industry will support you in getting coverage designed for your small business.
Some examples of covered landscaping-related injuries are:
Additionally, many landscaping businesses hire seasonal or part-time workers. That can complicate payroll reporting and classification for insurance purposes.
Choosing a provider that offers flexible policy structures and tools to simplify audits, payroll changes, and employee classifications is important.
Most landscaping businesses rely on a fleet of trucks or vans to transport equipment, supplies, and employees. Given the demands placed on commercial landscaping vehicles, a basic auto policy won’t cut it.
Landscapers from all over rely on high-quality truck and van commercial insurance. Unlike personal auto insurance, commercial auto policies cover various situations and provide protections for vehicles used for business purposes.
These policies are designed to protect your business vehicles in case of accidents, theft, or property damage. For example, if you have a Sprinter van customized with tool racks and storage, you need a policy that considers that added value.
A well-rounded commercial auto policy offers:
If your business depends on reliable transportation, insuring your fleet should be just as much of a priority as protecting your team.
Traditionally, shopping for business insurance meant endless paperwork, phone calls, and long wait times for quotes. However, with providers like Pie Insurance, those days are over. We have taken a digital-first approach to simplify the process for small business owners.
Pie Insurance offers landscaping workers' comp and commercial auto insurance built for convenience. You can get a quote in as little as three minutes, and everything from policy management to claims submission can be handled online.
That’s a major plus for busy landscapers who don’t have time to chase down forms between job sites.
While Pie stands out for its data-driven pricing and user-friendly platform, what truly makes us appealing is our focus on industries like landscaping. We recognize that one-size-fits-all coverage doesn’t cut it for businesses with high-risk, seasonal workforces and heavy equipment on the move.
Whether or not you go with Pie, there are a few key factors to consider when comparing insurance providers:
At the end of the day, landscaping workers' comp is about more than ticking a legal box. It’s about creating a safer workplace, earning your team’s trust, and shielding your business from unexpected financial hits.
Pair that with commercial auto insurance, and you’ve got a well-rounded protection plan that covers everything from a twisted ankle on the job to a totaled truck on the highway. With this comprehensive coverage, you can rest easy knowing your business is secure.
The right insurance provider can make a big difference. Whether you’re hiring your first employee or managing a fleet of ten trucks and a dozen crew members, there are options out there designed to meet your needs—and help you grow with peace of mind.
With the right workers' comp insurance for landscapers and solid commercial vehicle coverage, you’re building a business that’s resilient, responsible, and ready for whatever comes next.
For more information about specialized insurance solutions for landscaping businesses, visit the Pie Insurance website to learn about workers' compensation and commercial auto options.
Thanks for reading! This content is intended for educational purposes only and does not imply coverage under workers’ comp or other insurance offered through Pie Insurance Services, Inc. Please consult an agent or attorney for any questions regarding applicability of insurance coverage in all circumstances.
