Insurance for Landscapers in Washington
Landscapers in Washington help shape residential neighborhoods, commercial campuses, and public spaces throughout the state. But while you focus on maintaining beautiful lawns and designing outdoor spaces, your business faces risks ranging from property damage to employee injuries. The right insurance coverage—and required bonding—can keep your business running smoothly and protect against costly claims.
General liability insurance is essential for landscaping companies. It protects your business if a client is injured by your equipment or if property is accidentally damaged—like broken irrigation systems or damaged fences. This policy is especially important when working on-site at homes or businesses throughout Washington.
Washington law requires businesses with employees to carry workers’ compensation insurance. Landscaping involves physical labor, sharp tools, and exposure to outdoor hazards like heat, insects, and uneven terrain. Workers’ comp ensures your employees are covered if they’re injured on the job and protects your business from legal and medical costs.
Your tools and equipment are a major investment, making inland marine insurance (tools and equipment insurance) a must. From riding mowers and trimmers to irrigation tools and trailers, this coverage protects your gear from theft, damage, or loss on-site or in transit.
If you transport workers and equipment in trucks or trailers, you’ll also need commercial auto insurance. It covers vehicle-related accidents, property damage, and liability if your business vehicles are involved in a collision. Hired and non-owned auto coverage can be added if employees use personal vehicles for work.
Landscapers in Washington must also meet bonding requirements for certain types of contracts and to maintain a contractor license. A contractor bond offers assurance to clients that you’ll fulfill your contract terms, follow all legal and safety requirements, and complete the work to code.
If you offer design work or advanced landscaping planning, errors and omissions (E&O) insurance may also be helpful. This protects against claims of negligence or dissatisfaction with your work due to planning errors or unmet project expectations.
At Insurance Alliance, we work with landscapers across Washington to develop customized insurance and bonding solutions. Whether you're a solo operation or manage a large crew, we help ensure you’re covered from the first cut to the final clean-up.
Reach out to Insurance Alliance today for an insurance package that grows with your landscaping business and protects your path forward.
