Mowers throw rocks, trees fall the wrong way and crews work with dangerous equipment every day. We insure landscapers, gardeners, irrigation contractors and tree services across Southern California.
Start a landscapers, gardeners & tree service quote or call 888-391-5981.
Common risks
- A rock thrown by a mower breaks a window or hurts someone
- Tree work damages a house, car or power line
- Crew injuries from saws, mowers and ladders
- Truck and trailer accidents
- Theft of mowers, trimmers and trailers
Coverage most landscapers businesses need
| Coverage | Why it matters |
|---|---|
| General liability | Damage to client property and injuries to third parties. |
| Workers compensation | Required with employees. D-49 tree service licensees need it even without employees. |
| Commercial auto | Trucks and trailers. |
| Equipment coverage | Mowers, blowers, chippers and trailers. |
California requirements
California requires D-49 tree service licensees to carry workers compensation even with no employees. Landscapers with employees must carry it as well.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · HVAC · Plumbers · Electricians
See also: Tree service insurance · 2028 workers comp rule for contractors
Frequently asked questions
Does general liability cover tree removal?
Some landscaping policies exclude tree work or limit the height you can work at. Tell us exactly what you do and we’ll match you with a carrier that covers it.