"Transform Every Property. Protect Every Project."
Protecting crews, equipment, and the properties you transform
Landscaping operations combine design, installation, and maintenance work — grading, planting, hardscaping, irrigation, retaining walls, and seasonal upkeep — often using heavy equipment on client property. From struck underground utilities and retaining wall failures to equipment theft and employee injuries, landscaping risk is project-based, labor-intensive, and exposed to both immediate and long-tail claims. Whether operating a solo design-build crew or a multi-crew landscaping company, exposures can arise from the equipment, the job site, the workmanship, or the subcontractors involved.
Properly structured insurance is essential to protect client property, crew safety, equipment value, and the reputation that wins your next contract.
Key Risks in Operations
Property damage to client lawns, structures, or hardscaping during installation
Struck underground utilities — gas, water, electrical, or irrigation lines
Employee injuries from heavy equipment, lifting, and physical labor
Equipment and material theft from trailers or job sites
Auto accidents involving trucks, trailers, and crew vehicles
Completed-operations claims from failed retaining walls, drainage, or plantings
Pollution exposure from fertilizers, pesticides, and chemical application
Losses can arise even when the business is professionally managed.
Core Coverages
General Liability — Protects against bodily injury and property damage claims arising from landscaping and installation work on client property.
Commercial Auto — Covers trucks, trailers, and vehicles used to transport crews, equipment, and materials between job sites.
Inland Marine / Equipment Coverage — Protects mowers, skid steers, mini-excavators, and landscaping equipment from theft, loss, or damage in transit or on site.
Workers Compensation — Provides coverage for employee injuries from equipment operation, heavy lifting, and outdoor working conditions.
Products & Completed Operations — Covers claims arising after a project is finished, such as a failed retaining wall, drainage problem, or improper installation.
Pollution Liability — Covers claims involving fertilizer, pesticide, or chemical runoff applied during landscaping operations.
Umbrella / Excess Liability — Provides additional limits for severe bodily injury, property damage, or multi-party loss scenarios.
What's Commonly Overlooked
Insurance programs are often weakened by:
No inland marine coverage for equipment transported on open trailers
Missing completed-operations coverage for hardscaping and installation work
No pollution coverage for fertilizer, pesticide, or chemical application
Inadequate auto coverage for trucks and trailers used in commercial operations
Failure to insure subcontractors or confirm their coverage
Insufficient general liability limits for commercial property contracts
These issues typically surface at claim time — not before.
A crew strikes an unmarked gas or irrigation line during excavation
A retaining wall fails months after installation, damaging a client's property
Equipment is stolen from an unsecured trailer overnight
A crew member is injured operating a skid steer on a slope
Chemical runoff from a fertilizer application damages a neighboring property
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Design-build vs. installation vs. maintenance service mix
Use of heavy equipment and excavation work
Number of crews and vehicles in operation
Subcontractor use and chemical application practices
Residential vs. commercial client mix
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure landscaping insurance programs around the project-based, equipment-dependent nature of the work. We coordinate liability, auto, equipment, completed operations, and workers compensation coverage to ensure every crew, every job site, and every finished project is protected — long after the last plant is in the ground.
Every project. Every crew. Every property. Covered.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.