Landscaping & Tree Service Insurance

Built for lawn care companies, landscapers, arborists, and outdoor crews working across Florida.

Industry Risks

The risks landscapers and arborists face

Working outdoors with heavy equipment on client property every day creates significant exposure. These are the claims that hit landscaping businesses hardest.

Risk 01

Property damage claims

A mower throwing debris, a falling tree limb, or a truck backing into a fence — property damage claims are the most common in landscaping. Without GL coverage, even a minor incident can result in an out-of-pocket repair bill that wipes out weeks of profit.

Risk 02

Worker injuries

Landscaping and tree work are among the most physically demanding and dangerous trades in Florida. Falls from heights, equipment injuries, and heat-related illness are all common. Workers' Comp isn't just legally required — it's what protects your business and your crew when something goes wrong.

Risk 03

Equipment theft

Trailers full of equipment left overnight on job sites are frequent targets for theft. Replacing a full set of commercial mowing equipment can cost $20,000 or more. Tools and equipment coverage ensures a theft doesn't put you out of business.

What We Cover

Covers property damage and third-party injuries on job sites — required by most commercial clients and HOAs before work begins.

Covers your crew for on-the-job injuries — falls, equipment accidents, heat exposure. Required in Florida once you have employees.

Covers your trucks, trailers, and tow vehicles used on the job. Personal auto won't cover business use or equipment in tow.

Covers mowers, chainsaws, chippers, blowers, and other equipment against theft, damage, or loss on site or in transit.

Specialized coverage for tree removal, trimming, and stump grinding — covering damage to structures, vehicles, and adjacent property.

Extends your GL limits for large property damage or injury claims — often required for commercial landscaping contracts.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What insurance do I need to run a landscaping business in Florida?

At minimum you need General Liability and, if you have employees, Workers' Compensation. Commercial auto is required if you use vehicles for business. Most commercial clients and HOAs also require you to show proof of GL coverage before starting any job.

Does General Liability cover damage I cause to a client's property?

Yes — that's one of the primary things GL covers. If your crew damages a fence, sprinkler system, vehicle, or structure while working, your GL policy pays for the repair or replacement. Without it, you're paying out of pocket and potentially losing the client relationship.

Is Workers' Comp required for landscaping crews in Florida?

Yes. Florida requires Workers' Compensation for non-construction businesses with four or more employees. However, given the injury risk in landscaping and tree work, we recommend carrying it even before you reach that threshold. A single serious injury without coverage can be financially devastating.

Does my personal truck insurance cover my work trailer?

Typically no — trailers used for business purposes need to be scheduled on a commercial auto policy. And if you're using a personal vehicle for business and have an accident on the way to a job, your personal insurer may deny the claim. Commercial auto closes both gaps.

Do tree service companies need different insurance than landscapers?

Yes. Tree removal and trimming carry significantly higher liability risk than standard lawn care — particularly for damage to structures and injury from falling limbs. Arborist liability coverage addresses these specific risks. We work with carriers that understand the difference and price it accordingly.