Affordable Landscaping Insurance Utah
Protect your landscaping business in Utah with insurance designed to address risks like property damage, employee injuries, and costly project delays.
Coverage options to insure your landscaping business:
Whether you're an independent landscaper focusing on residential gardens or a large company managing commercial grounds, our customized insurance meets your exact operational and legal requirements.. Key coverages include:
General Liability
Contractors E & O
Commercial Auto
Workers’ Compensation
Tools & Equipment
Voluntary Property Damage
Anderson Insurance Group offers Landscapers Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Utah Landscaping Contractor Insurance You Can Trust
Get customized landscaping insurance designed to protect your business from accidents, property damage, and costly claims. Anderson Insurance Group delivers reliable coverage for landscapers, ensuring you meet licensing requirements and exceed client expectations.
General Liability Insurance
General liability insurance is the foundation of protection for landscaping businesses in Utah. It covers bodily injury and property damage to third parties caused by your operations. For example, if a client trips over equipment on a job site or if a falling branch from your tree trimming damages a customer’s car, this coverage can pay for medical expenses, repairs, legal fees, and settlements. Many municipalities, HOAs, and commercial clients require proof of general liability before you can start work, making it critical for compliance, credibility, and winning high-value contracts.
Workers’ Compensation Insurance
If you employ staff—whether seasonal workers, full-time crew, or subcontractors—Utah law requires workers’ compensation insurance to cover on-the-job injuries. Workers’ compensation safeguards your employees by covering medical bills, rehabilitation costs, and lost wages, while protecting your business from potential lawsuits. States like Utah mandate this insurance for businesses with employees. Protect your team and stay compliant with workers’ compensation insurance from Anderson Insurance Group. Workers’ Compensation Insurance & Resources | WCF Insurance
Tools & Equipment Insurance
Comprehensive protection for all your landscaping tools and machinery wherever they are—whether stored, in transit, or actively used on-site. Whether it's in transit or at job sites, tools and equipment insurance guarantees that your gear is protected against theft or damage. If you regularly transport expensive equipment, this add-on to general liability insurance offers the protection your business needs. Inland Marine insurance can help cover:
Your owned equipment
Employee tools and clothing
Borrowed or leased equipment
Voluntary Property Damage
Voluntary Property Damage, an often-overlooked coverage, protects against accidental damage to property under your care, custody, or control—such as a client’s garden statue, fencing, or irrigation system. This covers damage to items that are under your care, custody, or control , covering damage to items that are under your care, custody, or control. What is Voluntary Property Damage Coverage? | Anderson Insurance Group
Commercial Auto
If your landscaping business relies on vehicles, commercial auto insurance is essential. This policy covers your work vehicles and drivers in case of accidents, theft, or damage. Whether you're running one vehicle or managing an entire fleet, we offer the perfect coverage for your business. Commercial Auto Insurance | Anderson Insurance Group
Contractors Errors & Omissions (E&O)
Errors & Omissions coverage protects your landscaping business from the financial consequences of mistakes, oversights, or negligent work that cause damage, loss, or require costly corrections. For example, improper plant placement, incorrect grading, or installing irrigation systems incorrectly can lead to water damage, soil erosion, or dead vegetation—issues that may require expensive repairs or replacements. This coverage helps pay for these costs, legal defense fees, and potential settlements, ensuring your business reputation and client relationships remain strong.
Why landscaping contractor insurance is essential in Utah:
Licensing & Contracts: Many city permits and commercial clients require proof of general liability and workers’ compensation before awarding landscaping contracts. Contractors insurance | Anderson Insurance Group
High-Risk Work: Landscaping work includes hazards from heavy equipment, chemical pesticides, sharp tools, uneven terrain, and unpredictable weather conditions. Without insurance, a single injury, environmental damage, or equipment accident could cause severe financial strain or business closure.
High-Risk Trade: Working with water and pipes brings slip hazards, burst lines, and contamination risks. A single incident without proper coverage could cost your business dearly.