Is snow plowing covered by my landscaping liability policy?

Not always. Some policies exclude snow and ice removal or require it to be listed. Check your policy's classifications and exclusions before winter contracts start.

Are mowers covered when stolen from a trailer?

Usually only if they are covered by an inland marine or equipment policy. Commercial auto commonly does not cover equipment carried on a trailer.

Industry guide

Insurance for landscaping companies

Landscaping businesses work on other people's property with heavy equipment, haul trailers between jobs, and often add seasonal crews. Many also plow snow in winter, which some liability policies treat differently, so the policy should describe everything you actually do.

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Where insurance questions come from

Work on clients' property
Damage to homes, cars, or windows, and injuries to bystanders, are general liability questions.
Trucks and trailers
Hauling mowers and materials between jobs is a commercial auto question.
Mowers and equipment
Equipment on trailers and job sites is usually covered by inland marine.
Snow removal and chemicals
Snow and ice operations and pesticide or herbicide application are often excluded or limited unless specifically included.

Coverage that commonly comes up

General Liability InsuranceDamage and injuries at client properties.
Commercial Auto InsuranceTrucks, trailers, and plow vehicles.
Workers' Compensation InsuranceSeasonal and year-round crews.

This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.

Paperwork customers and contracts ask for

Certificates for commercial clients and property managers
Equipment schedules
Snow removal contracts with insurance and hold-harmless terms

Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.

Before your renewal or your next contract

What to check on your own policy

Whether snow and ice removal is covered or excluded
Pesticide and herbicide application exclusions
Equipment schedule values for mowers and attachments
Trailers listed on the auto policy
Payroll estimates that reflect seasonal crews

Not sure what your policy says?

Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.

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Landscaping Companies: common questions

Other industries we work with

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.