Florida Landscaper & Lawn Care Insurance

Landscape work in Florida runs about fifty weeks a year — the grass keeps growing, the palms keep dropping fronds, the irrigation keeps failing, the storms keep dropping limbs someone has to clean up. We write lawn-care coverage including liability, business auto, equipment on the mowers and saws, and workers comp — and we schedule pesticide and herbicide application separately, because most standard policies exclude chemical work without a specific endorsement.

Get Your Free Landscaper / Lawn Service Company Quote

Florida's year-round growing season keeps landscaping crews on rotation 50 weeks of the year — mowing, sod replacement, palm trimming, pesticide and herbicide application, irrigation work, hardscape installation, and storm cleanup. Florida First Insurance of Broward writes the trade package for lawn and landscape contractors with the carriers that underwrite NCCI class codes 0042 (landscape gardening) and 0106 (tree pruning, repair, spraying, fumigating) — including the chemical-application endorsements required for licensed operators.

Three placement variables matter most: presence of tree work above 30 feet (which often pushes a residential lawn-care account out of admitted appetite), pesticide and herbicide application coverage (broad form often excludes it — needs specific endorsement or separate pollution policy), and whether the operator hauls equipment trailers, which raises both auto liability and inland-marine exposure on chainsaws, mowers, and blowers.

Lawn and landscape accounts bind for operators in Miami-Dade, Broward, and Palm Beach in the southeast; Collier and Lee on the Gulf; Sarasota and Manatee in the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk, Orange, and Seminole through central Florida; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

Landscaper quotes are placed for operators based in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Landscaper & Lawn Care Insurance Cover?

General Liability — Covers property damage (broken sprinklers, damaged fences) and injuries to bystanders from flying debris.
Equipment Coverage — Protects mowers, trimmers, blowers, trailers, and other landscaping equipment from theft or damage.
Workers' Compensation — Covers employee injuries from heat exhaustion, equipment accidents, falls, and chemical exposure.
Commercial Auto — Covers your trucks, trailers, and the landscaping equipment being transported to job sites.