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Landscaping & Lawn Care Insurance
You've built your landscaping business with hard work and skill, but one flying rock or equipment accident can wipe out everything. Landscaping insurance provides the coverage you need for your crews, trucks, and equipment in Mississauga, Ontario, and across Canada.
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Equipment Coverage
15+
Years Experience
Landscaping Business Coverage
What is Landscaping & Lawn Care Insurance?
Landscaping insurance is a commercial insurance package designed for lawn care and landscaping businesses, protecting against property damage, injuries, vehicle accidents, and equipment theft.
Why Landscapers in Ontario Need Insurance
Landscaping work happens almost entirely on other people's property. Every time you mow a lawn, trim hedges, or operate equipment, you're exposed to property damage and injury claims. In Mississauga and across Ontario, commercial property managers, strata corporations, and many residential clients require landscapers to carry minimum $2 million CGL coverage.
Landscaping also involves significant vehicle and equipment exposure. Your trucks, trailers, mowers, and tools need protection from theft, accidents, and damage. A solid insurance program covers these risks:
- Property damage from mowers, trimmers, and other equipment
- Third-party injuries from flying debris, slip hazards, or equipment accidents
- Vehicle accidents with work trucks and trailers
- Equipment theft from trucks, trailers, and job sites
- Damage to underground utilities, irrigation systems, or client property
- Legal defense costs for lawsuits and liability claims
Seasonal & Snow Removal Coverage
Many landscaping businesses in Ontario also offer snow removal services in winter. Snow removal carries its own liability exposure: slip and fall claims, property damage from plowing, and vehicle accidents in winter conditions. Make sure your policy covers both landscaping and snow removal operations.
Complete Coverage
What Does Landscaping Insurance Cover?
Protection built for landscaping businesses, covering property damage, equipment theft, and vehicle accidents. Boardwalk structures coverage around your services, equipment, and contract requirements.
Built For Landscapers
Who Needs Landscaping Insurance in Ontario?
Whether you're a solo lawn care operator or run a full landscaping crew, insurance protects your business and helps you win contracts.
Solo Lawn Care Operators
Independent operators doing residential lawn mowing, trimming, and basic maintenance in Mississauga and surrounding neighborhoods.
Landscaping Companies
Established landscaping firms with employees, multiple trucks, and commercial maintenance contracts across Ontario.
Design & Build Landscapers
Companies doing landscape design, hardscaping, patios, retaining walls, and full property installations.
Commercial Property Maintenance
Landscapers serving commercial properties, strata corporations, shopping centers, and office complexes with higher contract requirements.
Snow Removal Contractors
Landscapers who transition to snow plowing, salting, and ice management during winter months.
Irrigation & Sprinkler Specialists
Landscapers specializing in irrigation system installation, repair, and winterization services.
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Get Landscaping Insurance Quotes
Compare rates from top Canadian insurers. Fast quotes, contract-ready certificates, and coverage designed for landscaping businesses.
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Know Your Risks
Common Landscaping Insurance Claims
Landscaping work creates unique liability exposure. These are the claim scenarios landscapers deal with most often.
Flying Debris Damage
Mowers and trimmers can throw rocks, debris, and objects that damage windows, vehicles, and property.
Example: Your mower throws a rock that cracks a client's patio door, resulting in a $2,500 replacement claim.
Third-Party Injuries
Equipment, tools, and materials left on site can create trip hazards and cause injuries to clients and visitors.
Example: A homeowner trips over landscaping equipment left on their walkway and breaks their wrist, filing a $15,000 claim.
Vehicle & Trailer Accidents
Daily driving between job sites increases your exposure to collisions, backing accidents, and trailer incidents.
Example: While backing up with a trailer, you hit a client's parked car, causing $8,000 in damage.
Equipment Theft
Landscaping equipment is a prime target for theft from trailers, trucks, and job sites, especially overnight.
Example: Your trailer is stolen from a job site with $20,000 worth of mowers and equipment inside.
Underground Utility Damage
Digging, planting, or installing hardscaping can damage underground utilities, irrigation lines, and cables.
Example: While installing a fence, your crew hits a gas line, requiring emergency repairs and a $5,000 claim.
Snow Removal Slip & Fall
If you offer snow removal, you may face claims if someone slips on a property you were contracted to maintain.
Example: A tenant slips on ice at a commercial property you service, resulting in a $30,000 injury claim.
Simple Process
How to Get Landscaping Insurance
Get covered in three simple steps. We'll match you with the right coverage for your landscaping business.
1
Request a Quote
Tell us about your landscaping business: your services, annual revenue, equipment value, and number of vehicles.
2
Compare Options
We shop multiple Canadian insurers to find competitive rates and coverage that meets your contract requirements.
3
Get Your Certificate
Purchase coverage and receive your certificate of insurance quickly, often same-day, so you can win commercial contracts.
Get Answers
Landscaping Insurance FAQs
Common questions about landscaping insurance coverage in Ontario answered.
Landscaping insurance in Ontario typically costs $600 to $2,500+ per year for CGL coverage depending on your revenue, number of employees, services offered, and claims history. Adding commercial auto coverage adds $1,500-$4,000+ per vehicle annually. Equipment coverage varies based on total value. Contact us for a quote tailored to your specific operation.
Landscapers in Canada typically need: Commercial General Liability (CGL) for property damage and injury claims (most commercial contracts require minimum $2 million), Commercial Auto insurance for trucks and trailers, and Equipment coverage for mowers, trimmers, and tools. If you offer snow removal, ensure your policy covers winter operations as well.
Equipment and tools coverage is typically an add-on to your landscaping insurance policy. It's not automatically included in CGL. This coverage protects your mowers, trimmers, blowers, trailers, and other equipment from theft and damage. You can get coverage for equipment on job sites, in transit, at your shop, or in storage. Provide a detailed equipment list with values for accurate coverage.
Yes, if you use trucks, vans, or trailers for your landscaping business, you need Commercial Auto insurance. Personal auto policies typically exclude business use and won't cover claims that occur while working. Commercial auto covers liability if you cause an accident while driving for work, plus physical damage to your vehicles. Trailer coverage can be added for equipment trailers.
Snow removal coverage is not automatically included in standard landscaping insurance. You need to add it specifically. Snow removal carries unique liability exposure (slip and fall claims, property damage from plowing) that must be disclosed and covered separately. If you offer snow plowing, salting, or ice management services, make sure your policy explicitly includes winter operations.
At Boardwalk Insurance, we can often issue certificates of insurance the same day or next business day once your policy is bound. This helps landscapers quickly meet commercial client requirements and win property management contracts. If you need a certificate naming a specific additional insured, let us know and we'll coordinate with the insurer.
While most landscaping policies are annual, some insurers offer seasonal rate adjustments or policies that can be modified for landscapers who only operate during certain months. However, if you also offer snow removal, you may need year-round coverage. Discuss your specific operating schedule with us and we'll find options that fit your business model.
No, CGL does not cover employee injuries. That's what Workers' Compensation (WSIB in Ontario, WCB in other provinces) is for. If you have employees, you're typically required to have workers' compensation coverage. CGL covers injuries to third parties (clients, visitors, the public), not your own workers. Contact your provincial workers' compensation board for requirements.
Get Landscaping Insurance That Matches Your Season
Protect your team, trucks, and equipment with coverage built for landscaping businesses in Mississauga and across Canada. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
