General Liability | Equipment | Vehicles | Jobsite Protection
Landscaping and lawn care businesses face daily risks — from damaged property and injured bystanders to stolen equipment and vehicle accidents. Even small crews and solo operators need insurance designed for outdoor, hands-on work.
At Catanzaro Insurance, we help landscaping and lawn care businesses across Ohio, Indiana, and Illinois secure coverage that protects their equipment, vehicles, and livelihood — without unnecessary complexity.
What Insurance Does a Landscaping or Lawn Care Business Need?
General Liability Insurance
Protects against third-party injury or property damage related to your work, including damaged irrigation lines, cracked sidewalks, or customer injury claims.
Tools & Equipment Coverage (Inland Marine)
Covers mowers, trimmers, blowers, trailers, and other portable equipment against theft or damage — whether on the jobsite, in transit, or stored overnight.
Commercial Auto
Covers trucks, vans, and trailers used for business operations. Optional hired & non-owned auto protects employee-owned vehicles used for work.
Workers’ Compensation (State-Specific)
Required in many cases if you have employees. Covers medical expenses and lost wages from common landscaping injuries.
Umbrella Liability
Adds additional protection above your base policies — recommended for businesses working on commercial properties or HOA contracts.
Optional Enhancements
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Equipment breakdown coverage
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Property damage extensions
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Seasonal operation endorsements
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Additional insured & waiver of subrogation endorsements
Who This Coverage Is Built For
We insure a wide range of landscaping and lawn care businesses, including:
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Lawn maintenance & mowing services
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Landscaping installation companies
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Hardscaping & outdoor design contractors
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Snow removal operations (seasonal)
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Tree trimming & groundskeeping crews
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Residential and commercial landscapers
If your business operates outdoors and uses tools, vehicles, or equipment, you need coverage built for your exposures.
Why Landscaping Businesses Choose Catanzaro Insurance
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Contractor-Focused Expertise: We understand outdoor service risks
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Fast Certificates: COIs for HOAs, property managers, and commercial clients
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Scalable Coverage: Policies that grow with your business
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Multi-State Licensing: Serving Ohio, Indiana, and Illinois
We help you stay protected, compliant, and ready to take on new work.
Real-World Scenarios
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A mower throws debris and damages nearby property — General Liability responds
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A trailer with equipment is stolen overnight — Tools & Equipment replaces it
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A work truck is involved in an accident — Commercial Auto covers the loss
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An employee is injured during seasonal work — Workers’ Comp covers medical costs
Landscaping is hands-on work. The right insurance keeps accidents from becoming financial setbacks.
Get a Landscaping & Lawn Care Insurance Quote
Protect your equipment, vehicles, and business with coverage designed for landscaping professionals.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the short form below to request a quote.