Landscaping businesses face a coverage puzzle most general agents don’t fully understand: crews operating heavy equipment on someone else’s property, seasonal payroll swings, subcontracted crews, and vehicles moving between job sites all day. Get any one of those wrong and you’re either overpaying or underinsured.
← Back to Industries We Insure
Coverage Landscapers Actually Need
- Workers’ compensation — classification matters enormously here; a crew misclassified under a higher-rated code can cost thousands extra per year. See classification guide →
- General liability — for property damage (damaged irrigation, fencing, hardscaping) and bodily injury
- Commercial auto — covering trucks, trailers, and equipment in transit
- Inland marine — for mowers, equipment, and tools that move between sites and aren’t covered under a standard property policy
The E-Mod Trap for Landscaping Companies
Landscaping carries one of the higher workers’ comp class code rates in New York, which makes E-Mod errors especially expensive. We frequently find businesses paying for claims that should have closed years ago, or carrying a code that doesn’t match their actual work mix (e.g., snow removal subcontracting bundled incorrectly into a mowing code).
E-Mod audit checklist → | Payroll classification audit guide → | How to reduce workers’ comp premium →
Where We Serve Landscaping Businesses
Brooklyn · Queens · Staten Island · Long Island · Bronx
