Landscaper Insurance in Florida
Protect Your Landscaping Business & Crew
At FLORIDA WE INSURE AGENCY, we know landscaping isn’t just about mowing lawns and planting shrubs — it’s hard work, heavy equipment, and physically demanding labor under Florida’s sun, storms, and unpredictable weather. Whether you're maintaining a beachfront property in Sarasota, trimming hedges in Jacksonville, or doing commercial landscaping in Tampa, your business faces real risks: equipment damage, third‑party injury or property damage, weather, employee injuries, and liability exposure.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
What Landscaper Insurance Covers
Here are the core coverages we recommend for landscaping and lawn-care businesses in Florida:
General Liability Insurance
Covers third-party injuries or property damage.
Commercial Auto Insurance
Covers business-owned trucks, vans, and trailers.
Inland Marine / Equipment Floater
Protects tools and landscaping equipment in transit or on job sites.
Workers’ Compensation
Covers employee injuries and lost wages.
Commercial Property / BOP
Protects your shop, garage, or warehouse, plus business contents.
Commercial Umbrella
Provides additional liability coverage above other policy limits.
Why Landscaper Insurance Matters
Working in landscaping means dealing with heavy machinery, sharp tools, unpredictable terrain, and frequent transport of equipment.
This creates exposure to multiple risks:
- A slip or fall on a wet lawn, or a customer injured by falling debris or tools
- Accidental property damage — like damaging a sprinkler system or fence
- Theft or breakdown of equipment stored on a trailer or job site
- On-the-job injuries to employees
- Liability claims from neighbors or passersby
- Weather-related delays or property damage that interrupt operations
Without proper insurance, one mistake could jeopardize everything you’ve built.
Why Choose FLORIDA WE INSURE AGENCY for Your Landscaping Coverage
30+ Florida Carriers Compared
We shop top insurers to find the best deal.
Coverage Built for Florida's Risks
We know what Florida landscapers face: storms, coastal jobs, seasonal demand.
Annual Policy Review & Re-Shopping
We reassess yearly to keep you competitively priced and properly covered.
Free Legal Support for Claims Disputes
If a claim is denied or delayed, our in-house legal team helps at no cost.
Local Agents Who Know Your Trade
Real Florida-based agents who understand the landscaping business.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Landscaping Insurance FAQs
Is landscaping insurance required in Florida?
Not always by law, but many commercial clients, HOAs, and vendors require proof of insurance. If you have employees, workers' comp is required.
What if I’m a one-person lawn-care business?
You still face liability risks. At minimum, we recommend general liability, tool coverage, and commercial auto insurance.
Are my tools covered on job sites or in transit?
Yes, if you add inland marine or an equipment floater to your policy.
Can I bundle coverages to save money?
Yes. Many landscapers combine general liability and property coverage through a Business Owners Policy (BOP) for savings.
Service areas
Areas We Serve — Landscaping Insurance Across Florida
We proudly insure landscaping and lawn care businesses across Florida, including:
Landscaping Insurance in St. Augustine, FL
Landscaping Insurance in Jacksonville, FL
Landscaping Insurance in Tampa, FL
Landscaping Insurance in Sarasota, FL
Landscaping Insurance Across Florida
Get Insured Today
Protect your crew, your equipment, and your business’s future — whether you’re mowing lawns, designing landscapes, or handling large commercial properties. Let us build a customized insurance plan that fits your needs.
