Landscaping Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on landscaping insurance

Landscaping seems like a relatively low-risk business, but you still need protection against many threats. All it takes is one mistake to put you at risk. A business insurance policy designed specifically for landscape contractors in Ontario will protect you against threats and liabilities. ThinkInsure will help you compare landscaper insurance quotes. We’ll find you the lowest premiums and the best coverage. Start a quote online, or call us to compare your options.

Top things to know about landscape company insurance

Landscape insurance is not legally required in Ontario, but it is highly recommended for all landscape businesses.
You can customize your policy to match your coverage needs.
Basic plans for landscapers can start as low as $500 annually.
Proof of insurance can help you secure larger and more lucrative contracts.

How to get landscape contractor insurance

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What is landscaper insurance?

Landscaping insurance is a policy bundle developed specifically for landscape professionals and companies. It provides financial protection against the common risks and threats landscapers could experience when working on a client's property.

Why should you have landscaping insurance?

landscaper, trimming, hedges, garden maintenance, service.

In any landscaping project, accidents, mistakes, and unforeseen circumstances are inevitable. Landscapers face numerous potential risks, and this alone justifies the need for insurance. Landscape insurance policies offer several crucial benefits:

Legal protection: Have access to legal representation if you are sued.
Generating income: Clients will request proof of insurance to secure contracts.
Protect your equipment: Have coverage if your equipment is stolen, vandalized, or damaged.
Build your team: Attract more qualified people to work for your company.
Financial security: Peace of mind knowing you're financially protected if unforeseen events occur.

What are the most common types of risks/threats for landscapers?

Every landscaping project, no matter how small, comes with inherent risks. Here are some of the most common insurance claims from landscapers:

You cause damage to a client's property.
Flooding of a property (you hit a sprinkler line or poor grading leads to water in the basement).
Someone slips and falls on a property you're working on.
You or an employee gets injured on the job.
Equipment breakdowns.
You get sued because of a contract dispute.

What types of landscape companies need insurance?

All types of landscape contractors and companies need insurance:

Residential landscapers
Commercial landscapers
Lawncare companies
Fence and deck builders
Landscape designers
Arborists and tree removal companies
Sod and turf installers
Irrigation specialists
Hardscaping
Gardening and yard maintenance companies
Snow removal companies

What does a landscape insurance policy cover?

gardener, raking soil, lawn care equipment.

A landscape insurance package can cover your business in four key areas:

Landscaping equipment: Tools of the trade, supplies, materials.
Property: Your office, storage location, vehicles.
Liability: Liability claims, advertising and reputation harm, bodily injury, lawsuits, and legal defense costs.
Damage to third-party property: Damage from your work on a customer’s property.

What is not covered by landscapers insurance?

Landscapers insurance bundles offer comprehensive protection, however, there are some exclusions. They include:

Intentional damage caused by you or your employees.
Poor workmanship.
Equipment wear and tear.
Uninsured vehicles that are not listed on your commercial plan.
Other acts or events explicitly mentioned in your policy.

Landscape contractor insurance claims examples

Example #1

A company hires you to do the landscaping for a newly built property. After the initial excavation, one of the customers trips on an unfinished garden bed and breaks their foot. The general liability portion of your policy will help cover the customers medical expenses.

Example #2

You are hired to remove a tree from a customer's home. Part of the tree falls and damages your client's shed and fence, causing $5,000 in damage. Since you have liability coverage, your insurance will cover the cost of the repairs.

What type of insurance coverage do landscapers need?

Landscapers can customize their insurance coverage to include many types of protection.

Commercial general liability insurance is included in all basic plans and is one of the most important forms of protection.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly needs repairs.
Errors and omissions insurance: Mistakes happen. Be protected if you or an employee makes an error.
Pollution liability: The type of work landscapers do could potentially cause environmental damage or cause injury to others. This coverage protects you if, for example, you spill fuel or pollute a water source.
Surety bonds: Ensure you are bonded to meet client requirements to win projects.
Commercial property insurance: Protect your shop, storefront, and storage locations.
Commercial auto insurance: Insure the vehicles you use for business purposes. If you have multiple vehicles, consider Fleet insurance.

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How much does insurance cost for a landscaping business?

Premiums will vary based on the type of coverage you include in your policy. For basic liability coverage, your premiums start as low as $500 annually for a $1 million policy.

What are the top factors affecting landscape contractors' insurance premiums?

Location
Type of landscaping services you offer
Company size, number of employees
Value of your tools and equipment
Annual revenue
Plan type and limits
Custom plans and add-ons
Insurance and claims history

Lanscaper insurance FAQs

Is landscape insurance coverage legally required in Ontario?

Insurance is not legally required for landscapers in Ontario. However, without coverage, you could have issues securing larger contractors with government or corporate clients. You could also have issues building trust with residential customers.

Do I need commercial coverage if I use my personal vehicle for landscaping work?

Yes, you will need commercial auto coverage if you use your personal vehicle for business purposes. Without commercial coverage, you will not be covered for any damage caused to your vehicle while using it for work.

Does my landscaping insurance cover part-time or seasonal employees?

A landscaping insurance policy provides coverage exclusively for full-time employees, up to the limits specified in the policy. Part-time or seasonal employees and subcontractors are not covered and must secure their own insurance. If you have employees, you’ll also need workers’ compensation insurance.

Do I need commercial coverage if I run my landscaping business out of my home?

Storing landscaping equipment in a home-based garage or shed means your home insurance won't cover theft or loss. Commercial property insurance is necessary to protect these investments.

Get a quote and save on landscaping insurance

You’ve worked hard to protect your landscaping business. You have invested your time, money, and effort into becoming the landscaping contractor you are today.

Contact us today for an assessment and get a free quote. We will compare rates from the top insurers in Canada to find you the best landscaper insurance policy and help you save more.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Landscaping Insurance

Save on insurance for landscapers and protect your Ontario landscaping business against liabilities.