LANDSCAPING INSURANCE — OHIO
Landscaping insurance in Ohio.
Protect your crews, your equipment,
and every job site.
Landscaping and lawn care companies work on client properties every day with heavy equipment and power tools. General liability, commercial auto, and workers comp are the foundation of any landscaping business policy. Myers Insurance Group has been insuring Ohio landscapers since 2008.
Every job site is a new liability exposure.
Landscaping companies operate in a uniquely high-risk environment — heavy equipment, power tools, and chemicals on client properties, often alongside the public. A rock thrown by a mower, a chemical spill that damages a garden, a crew member injured by equipment — these are everyday risks in the landscaping business that require specific, adequate coverage.
Commercial auto is one of the most critical and most commonly inadequate coverages for Ohio landscapers. Trucks towing trailers with mowers, equipment, and materials are on the road constantly. The combination of vehicle liability, trailer liability, and equipment being towed creates coverage gaps that standard personal auto policies don't address at all.
Myers Insurance Group builds Ohio landscaping policies that cover your crews, your equipment, your vehicles, and your job sites — completely.
The coverage gaps that hurt Ohio landscapers
Mower throws a rock through a window. This is a GL claim — property damage to a third party during operations. Without adequate GL coverage, you're personally paying for the window, the windshield, or the injury it caused.
Trailer not covered under personal auto. Personal auto policies typically exclude trailers used for business. Your equipment trailer, the mowers on it, and any damage caused by the trailer in transit need commercial coverage.
No workers comp for seasonal crews. Seasonal and part-time employees are still employees under Ohio law. Landscaping injuries — lacerations, equipment accidents, heat exhaustion — are common and costly without workers comp.
Equipment theft from job sites. Mowers, blowers, trimmers, and hand tools left at job sites are common theft targets. Inland marine equipment coverage covers theft from job sites — standard property policies don't.
Every kind of Ohio landscaping operation.
Lawn Care
- Lawn mowing services
- Fertilization & weed control
- Aeration & overseeding
- Lawn treatment companies
Landscaping & Design
- Landscape design & install
- Hardscape & patio installation
- Irrigation installation
- Tree service & removal
Snow & Ice
- Snow plowing
- Ice management
- Commercial snow removal
- Salting & de-icing
Landscaping coverage in Ohio.
A complete Ohio landscaping insurance program covers your liability, your vehicles, your equipment, and your crew.
General Liability
Covers property damage and third-party injury during landscaping operations. A rock through a window, damage to a client's irrigation system, or a neighbor injured by flying debris — GL is your foundation.
Commercial Auto
Covers your trucks, vans, and vehicles used for landscaping operations. Personal auto policies exclude business use — every trip to a job site in a work vehicle needs commercial coverage.
Equipment Coverage (Inland Marine)
Covers mowers, blowers, trimmers, chainsaws, and hand tools against theft and damage — at job sites, in transit, and at your shop. Equipment theft from job sites is one of the most common landscaping losses.
Workers Compensation
Required in Ohio for employees. Lacerations, equipment injuries, heat exhaustion, and slip-and-fall are constant risks for landscaping crews. Non-negotiable for any landscaping company with staff.
Trailer Coverage
Covers your equipment trailers against damage and liability. Personal auto policies typically exclude trailers used for business — commercial trailer coverage ensures you're protected on every job.
Snow Removal Liability
Covers slip-and-fall and property damage claims arising from snow plowing and ice management operations. Snow removal contractors face elevated slip-and-fall liability — this coverage is essential for Ohio winter operations.
Pesticide & Chemical Liability
Covers claims from pesticide and chemical application — damage to neighboring plants, chemical runoff, and application errors. Lawn treatment companies face specific chemical liability exposure that standard GL may exclude.
Business Owner Policy (BOP)
Bundles GL and property for cost-effective base coverage. A BOP is the right starting point for most landscaping companies — with commercial auto, equipment coverage, and workers comp added as essential additions.
Commercial Umbrella
Adds excess liability above your primary coverages. Serious equipment accidents, major property damage at a job site, or a tree removal gone wrong can generate claims that exceed standard policy limits.
Landscaping insurance in Ohio — what you need to know.
My mower threw a rock and broke a client's window — am I covered?
Yes — with General Liability coverage. Property damage caused by your equipment during operations is a GL claim. A rock through a window, damage to a client's garden ornament, or a broken irrigation head are all covered under your GL policy up to your policy limits. This is one of the most common landscaping claims in Ohio — and one of the most straightforward to cover with adequate GL.
Do I need commercial auto if I'm using my personal truck for landscaping?
Yes. The moment you use your personal vehicle to haul equipment, travel to job sites, or transport crew members for your landscaping business, you're using it for commercial purposes — which your personal auto policy excludes. One accident on the way to a job site without commercial coverage means a denied claim and full personal liability for the accident. A commercial auto endorsement or separate commercial auto policy covers these activities at a cost that's far less than one uncovered accident.
My mowers and equipment were stolen from a job site overnight — is that covered?
Only with inland marine equipment coverage. Standard business property policies cover equipment at your shop — not at job sites. Inland marine coverage specifically covers your equipment wherever it goes — at job sites, in transit on your trailer, and at storage locations. Equipment theft from job sites is one of the most common and most costly losses for Ohio landscaping companies. A full mowing setup stolen overnight can cost $10,000-$30,000 or more to replace.
I plow snow in the winter — do I need different coverage?
Yes. Snow removal operations create specific liability exposure that standard landscaping GL policies may not fully address. Slip-and-fall claims on properties you've serviced — where a client claims you missed ice or didn't apply enough salt — are the most common snow removal liability claims in Ohio. Snow removal liability coverage addresses this specific exposure. Commercial contracts for snow removal also typically require specific liability limits and additional insured status — we build policies that meet commercial contract requirements.