Insurance for Landscape contractors in Georgia

Landscaping contractors in Georgia play a vital role in maintaining the beauty and functionality of residential, commercial, and public properties. From mowing and planting to irrigation systems and hardscaping, landscape work involves physical labor, heavy equipment, and frequent interaction with client property—all of which bring a variety of risks.

Having the right insurance coverage isn’t just smart—it’s essential to protect your business, employees, equipment, and reputation. 

Why Landscape Contractors Need Insurance in Georgia

Working in landscaping exposes your business to several risks:

  • Damage to client property (e.g., breaking a sprinkler or fence)

  • Injury to third parties (e.g., a customer trips over a tool)

  • Accidents involving employees using mowers or trimmers

  • Theft or damage of expensive tools and equipment

  • Vehicle collisions involving work trucks or trailers

Without insurance, these incidents could result in lawsuits, medical bills, or financial ruin. Insurance provides peace of mind and helps you meet legal, licensing, and client requirements.

Core Insurance Coverages for Georgia Landscape Contractors

1. General Liability Insurance

  • What it covers: Third-party property damage, bodily injury, and legal defense costs.

  • Required?: Not legally required, but often needed to obtain contracts or business licenses.

  • Example: A rock flies from a trimmer and shatters a customer’s window.

  • Typical Coverage: $1 million per occurrence / $2 million aggregate.

2. Workers’ Compensation Insurance

  • What it covers: Medical expenses, lost wages, and disability benefits for employees injured on the job.

  • Required?: Yes, if you have three or more employees in Georgia.

  • Example: An employee suffers a back injury while loading equipment onto a trailer.

  • Managed by: Georgia State Board of Workers’ Compensation.

3. Commercial Auto Insurance

  • What it covers: Accidents, injuries, and property damage involving vehicles used for business purposes.

  • Required?: Yes, if your company owns or operates work vehicles in Georgia.

  • Example: Your crew truck rear-ends another vehicle on the way to a job site.

Recommended Additional Coverages

4. Inland Marine (Tools & Equipment Insurance)

  • Covers stolen, lost, or damaged equipment such as mowers, blowers, trimmers, and trailers—even when in transit or on job sites.

5. Commercial Property Insurance

  • Protects your office, storage yard, or shop from fire, theft, vandalism, and other covered perils.

6. Professional Liability (Errors & Omissions)

  • Offers protection if a client claims you gave incorrect advice or landscaping plans that led to damages or financial loss.

7. Surety Bonds

  • May be required by certain cities or contracts. Bonds guarantee that you will complete work as promised.

Landscape contractor insurance in Georgia is an essential safeguard for your livelihood. Whether you're a solo lawn care provider in Macon or manage a crew offering full-scale landscaping services in Atlanta, the right coverage protects your assets, meets client expectations, and keeps you compliant with state and local regulations.

With proper insurance in place, you can focus on growing your business—literally and figuratively.

Need help comparing quotes or customizing a policy?   We would love to help 229-244-0222