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Service & Support:
- Follow-up from a licensed broker within 24 hours
- Policy Review and Comparison
- Risk Assessment
- Help with certificates of insurance, policy changes and contract reviews
- Renewal planning well before your policy expires
Landscaper Insurance in Ontario
Landscaper insurance is designed to protect your business from the most common ways contractors lose money: lawsuits, property damage, equipment losses and vehicle claims. Coverage is often structured as a bundle that can include general liability, tools and equipment, commercial auto, and optional add-ons such as pollution liability and business interruption.
It is important to build out an insurance policy that matches how you actually work. Take time to review your contracts and your seasonal services to reduce gaps.
How CommercialInsurance.ca works
We are not an insurer or a broker. We find you the right one.
Matched by industry
We connect you with a broker who works with businesses like yours, not a generic call centre.
Licensed Ontario brokers
Insurance brokers in Ontario are licensed by the Registered Insurance Brokers of Ontario (RIBO).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
No cost to be matched
Our referral service is free for businesses. You deal directly with the broker for quotes and coverage.
What is landscape insurance?
Landscape insurance is built for property maintenance and landscaping contractors. It is designed to cover common claims like third party bodily injury and property damage, plus tools and equipment losses and other exposures depending on the policy.
Even if your work feels lower risk than other trades, one incident can still be expensive. Even though coverage is not legally required, it is strongly recommended, and proof of insurance can help you qualify for larger contracts.
What landscaping insurance can include
A well-built landscaper insurance package may include:
Commercial General Liability (CGL)
Protects against third party bodily injury and third party property damage claims that arise from your operations.
Tools and equipment coverage
Helps repair or replace transportable tools and equipment if they are stolen or damaged, including items from hand tools to larger equipment, depending on the policy structure.
Commercial auto coverage
If you use trucks, vans, and trailers for business, commercial auto coverage is often essential.
Pollution liability
Landscaping can involve fertilizers, pesticides, fuels, and equipment fluids. Some landscaping insurance packages include pollution liability options to respond to environmental, bodily injury, or property damage allegations connected to these exposures.
Commercial property and business interruption
If you have a shop, warehouse, yard, or office, property coverage can help after fire, theft, or vandalism, and business interruption can help cover lost income and ongoing expenses if you have to temporarily close after an insured loss.
Key coverages to consider for landscaping businesses
The best approach is usually building a program that accounts for your whole season and the reality of your contracts.
General liability built for contractor work
Your liability coverage should reflect:
The properties you service (commercial plazas, condos, property management portfolios, industrial sites)
Whether you subcontract work
Completed operations exposure (claims that arise after you finish a job)
Contract requirements such as additional insureds and certificate wording
Landscaping work routinely creates property damage exposures, and liability coverage is the foundation for managing those claims.
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Trucks, trailers and vehicles
If your crews drive trucks and haul trailers, you have vehicle exposure every day of the season. Commercial auto coverage is essential for business vehicles, and trailers and the equipment on them need to be properly scheduled.
If you rent vehicles or employees use their own cars for work, plan for hired and non-owned auto coverage so a claim does not fall through the gap.
Tools, equipment, and breakdown risk
Theft from trucks, trailers, and job sites is common in contractor trades. Tools and equipment coverage is frequently included for landscaping businesses to help repair or replace stolen or damaged gear.
Mowers, trimmers, skid steers and compact equipment are expensive to replace mid-season, and equipment breakdown coverage can respond to internal mechanical or electrical malfunctions.
Pollution liability for landscaping operations
If you use fertilizers, herbicides, pesticides, fuels, or similar materials, pollution liability can be worth discussing.
Landscaping vehicles, heavy equipment, and fertilizers and pesticides can lead to environmental, bodily injury, and property damage claims, and pollution liability insurance can help cover costs such as cleanup and third party claims, depending on policy terms.
Property and business interruption
If you have a yard, shop, or warehouse, property coverage can protect your building and contents. Business interruption can help with lost income and overhead if you are forced to temporarily close after an insured loss.
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Adding snow removal to your landscaping business
This is where many contractors get caught.
Landscaping insurance and snow removal insurance are often underwritten differently. Snow removal has a different claims profile and can require different limits, deductibles, and contract review. Due to the higher risk nature of snow removal there is a need for policies designed for that exposure.
If you only buy landscaping insurance and then start plowing without updating your insurer, you can end up with a painful surprise at claim time. The safer approach is to disclose both operations up front, then structure one coordinated program that accounts for your full year.
If you plow in the winter, see our snow removal insurance guide so both seasons are covered properly.
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Why work with a broker on your Landscaping Business
You can find an insurance quote anywhere. The real value is getting coverage that matches your risk and support when you need it.
1A Broker understands contractor risk
An experienced broker will be able to review and go over all the exposures that you may have and can help build a program that fits the way your business operates.
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2They make sure the insurance actually covers you
They review your operations and contracts, then place coverage that aligns with your services. If a claim happens, your broker can help you through the process.
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3They know the market and plan for growth
As you add crews, expand into larger commercial contracts, take on condos, or add more vehicles, a broker will help you adjust coverage so it keeps pace.
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4Claims Happen
A broker knows exactly claims happen in this industry, from property damage to slip and fall allegations to vehicle incidents. They will help you navigate each step of the way
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If you want landscape insurance,
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Frequently Asked Questions
What does landscape insurance cover in Ontario?
Landscape insurance often includes commercial general liability for third party bodily injury and property damage claims, plus options like tools and equipment coverage, commercial auto, and pollution liability depending on your operations.
Is snow removal insurance different from landscaping insurance?
Yes. Snow removal insurance is designed for winter property maintenance risks and commonly includes liability, commercial auto, and tools and equipment, with optional equipment breakdown. Snow removal is often considered higher risk and can be harder to place than landscaping coverage.
See our snow removal insurance page for how winter coverage is structured.
How much does landscaping insurance cost in Ontario?
Pricing depends on your services, the types of properties you service, your vehicles and equipment, your revenue, claims history, and required limits.
Can I bundle landscaping and snow removal under one policy?
Often, yes. Many contractors structure coverage to include both summer and winter operations. The key is making sure both services are disclosed and underwritten properly so there are no gaps when the season changes.
Protect your team too
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