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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
Outdoor Industry Expertise
Harper understands the unique hazards landscaping professionals face, from equipment accidents and chemical exposure to property damage and weather-related risks, providing specialized coverage designed for lawn care and landscaping operations.
Comprehensive Service Protection
Harper offers complete coverage including general liability, commercial property, inland marine for equipment, workers' compensation, commercial auto, and pollution liability insurance - protecting all aspects of landscaping business operations.
Service-Specific Understanding
Harper recognizes that landscapers provide diverse services from lawn maintenance and tree removal to irrigation installation and snow removal, tailoring coverage to match specific service offerings and seasonal risks.
Competitive Outdoor Rates
Harper provides cost-effective protection with basic general liability starting at $29 monthly and comprehensive landscaping coverage typically ranging from $1,500-$4,500 annually based on business size and services offered.
Equipment Protection Priority
Harper focuses on protecting expensive landscaping equipment including mowers, trimmers, trailers, and specialized tools through comprehensive inland marine coverage, understanding that equipment theft and damage can halt operations.
Seasonal Risk Management
Harper provides essential coverage for year-round operations including summer heat exposure, winter snow removal risks, and weather-related property damage, recognizing that landscaping faces unique seasonal challenges.
Professional Reputation Shield
Harper helps landscaping professionals "demonstrate reliability and expertise to clients" while showing they understand operational risks and won't leave customers "financially responsible if accidents occur during service delivery."
Property Protection Assurance
Harper recognizes that landscaping work often requires "working around valuable property and utilities" and provides coverage that protects when equipment or operations accidentally damage client property or underground utilities.
Peace of Mind Delivery
Harper helps landscaping professionals "focus on quality service and business growth" by providing comprehensive protection that allows them to work confidently without worrying about the financial consequences of accidents or equipment damage.
Landscaping businesses operate in dynamic outdoor environments while using powerful equipment and working around valuable client property. From mower accidents and chemical applications to tree removal and underground utility strikes, landscapers face numerous potential liabilities that could threaten their business and personal assets. Having the right landscaping insurance protection ensures your business is prepared to handle claims and continue operations when unexpected situations arise.
Landscaping professionals encounter numerous potential hazards including equipment accidents, property damage from mowers and tools, chemical exposure from fertilizers and pesticides, tree falling incidents, and underground utility strikes. The combination of powerful machinery, chemical applications, and working on diverse properties creates multiple opportunities for accidents and liability claims.
Weather-related risks add complexity to outdoor operations including heat stroke, lightning strikes, slip-and-fall accidents on wet surfaces, and equipment damage from storms. Seasonal operations like snow removal introduce additional hazards including vehicle accidents, slip-and-fall incidents, and property damage from plowing equipment.
Equipment theft is a significant concern as landscaping tools and machinery are frequently left unattended at job sites or stored in trailers. Vehicle accidents while transporting equipment between jobs, injuries from power tools and machinery, and damage to sprinkler systems or underground utilities can result in substantial claims. These are just several specific instances as to why it is important to have comprehensive landscaping insurance coverage in place to shield your business, equipment, employees, and client relationships.
Virtually every type of landscaping and outdoor service operation requires specialized insurance protection, including:
While clients may have homeowner's or property insurance, your primary obligation is to safeguard your business assets, employee safety, and professional reputation. This is where comprehensive landscaping insurance becomes essential—it can be critical to your business surviving major property damage claims, injury lawsuits, or equipment losses.
General liability coverage provides the foundation of protection every landscaping business requires. In summary, this is what general liability coverage provides:
Bodily Injury Claims: Covers medical expenses when clients, pedestrians, or bystanders are injured during landscaping operations, including accidents from flying debris, chemical exposure, or equipment-related incidents.
Property Damage Claims: Protects against damage to client property including broken windows from mowers, damaged sprinkler systems, vehicle damage from equipment, and accidental damage to structures or outdoor features.
Products and Completed Operations: Covers claims arising from your landscaping work after completion, including plant warranties, irrigation system failures, or chemical applications that damage lawns or gardens weeks or months later.
Underground Utility Coverage: Essential protection when landscaping work accidentally damages buried utilities including gas lines, electrical cables, water pipes, or telecommunications infrastructure.
Comprehensive landscaping protection—beyond general liability coverage—can include:
Commercial Property Insurance: Protects your business location, office equipment, stored inventory including plants and chemicals, and business personal property from damage caused by fire, theft, vandalism, and covered natural disasters.
Inland Marine/Tool Coverage: Specialized protection for landscaping equipment, tools, and machinery both on and off-site, covering theft, damage, and loss of mowers, trimmers, trailers, and hand tools.
Pollution Liability Insurance: Essential coverage for chemical applications, fertilizer spills, and pesticide-related claims that can result in environmental cleanup costs and third-party damages.
Commercial Auto Insurance: Covers vehicles and trailers used to transport equipment and materials, protecting against liability and physical damage during transit between job sites.
Business Interruption Insurance: Provides coverage for lost income when your business cannot operate due to covered losses, helping maintain cash flow during equipment replacement or facility repairs.
Employment Practices Liability (EPL): Protects against claims from employees alleging discrimination, harassment, wrongful termination, or wage and hour violations within your landscaping business.
Landscaping operations involve significant physical demands and safety risks making workers' compensation insurance essential and legally required in most states. This coverage protects employees injured in equipment accidents, heat-related illnesses, back injuries from lifting, cuts from tools, and chemical exposure incidents.
Landscaping workers face higher injury rates due to power equipment operation, chemical handling, outdoor weather exposure, and repetitive physical tasks. Workers' compensation covers medical expenses, wage replacement, and rehabilitation costs while protecting your business from employee injury lawsuits.
Landscaping businesses rely heavily on vehicles and trailers to transport equipment, materials, and crews between job sites. Commercial auto insurance is essential for protecting against liability and physical damage involving company trucks, trailers loaded with equipment, and employee vehicles used for business purposes.
This coverage also protects against theft of equipment from vehicles and trailers, which is a common risk in the landscaping industry where valuable tools and machinery are transported daily.
Basic general liability protection for landscaping businesses with limits up to $1 million can start as low as $29 monthly for smaller operations. However, comprehensive landscaping coverage typically ranges from $1,500 to $4,500 annually depending on business size and services offered. Additional specialized coverages will affect the total cost. Variables that influence pricing include:
When you're providing professional landscaping services, you want to project competence and reliability to clients while protecting yourself when accidents occur. That's why comprehensive landscaping insurance protection is essential for any serious outdoor service business.
Carrying landscaping insurance demonstrates professionalism to clients and shows that you understand operational risks exist and you won't leave customers financially exposed if property damage or injuries occur during service delivery. At the same time, you're protecting your business equipment, vehicles, and personal assets from potentially devastating liability claims.
While you can implement safety protocols and proper equipment maintenance to prevent problems, sometimes accidents happen despite careful practices. Equipment malfunctions, weather conditions, or unforeseen circumstances can create situations that require significant financial resources to address. Comprehensive landscaping coverage shields you and your assets when you need to replace damaged property, cover medical expenses, or defend against liability claims.
Let Harper help you protect your landscaping business and maintain your peace of mind. Our goal is to help you find the best coverage for your specific services and operations as efficiently as possible.Kindly complete the form at the top of the page, and one of our agents will contact you shortly.