Landscaping & Tree Service

Looking for Landscaping & Tree Service Insurance in Florida?

Running a landscaping or tree service business means working around power equipment, climbing and felling trees, and spending your day on someone else’s property, all of which carry real risk. One accident, whether it’s a fallen limb that damages a roof or an employee injury on the job, can threaten a business that took years to build.

At Wellcovered Insurance, we help landscaping crews, lawn care companies, and tree service operations across FL put together coverage that matches the actual work, not a generic contractor policy.

What Does Landscaping & Tree Service Insurance Cover?

Landscaping and tree service insurance isn’t one policy, it’s usually a combination of coverages built around how your business actually operates, from mowing and mulching to tree removal and storm cleanup.

Here are a few of the coverages most landscaping and tree service businesses need:

General Liability — covers property damage or injury claims that come from your work, like a client’s fence damaged during a job or a passerby hurt by debris.

Commercial Auto — covers the trucks and trailers you use to haul crews and equipment between job sites.

Inland Marine / Equipment Coverage — covers mowers, chainsaws, chippers, and other equipment that moves between locations, which a standard property policy usually won’t.

Workers’ Compensation — covers medical costs and lost wages if an employee is hurt on the job, required in Florida once you have employees.

Commercial Umbrella — adds an extra layer of liability protection above your other policies, worth considering given how much damage a single large tree can cause if something goes wrong.

What’s Involved With Getting Covered

Carriers will usually ask about the type of work you do (mowing versus tree removal carries different risk), the equipment you operate, your payroll, and how long you’ve been in business. Many commercial clients will also require a certificate of insurance before they’ll let you start a job, so having your coverage in order ahead of time keeps work from stalling.

We’ll walk you through what underwriters are looking for and help you avoid gaps that only show up after a claim.

How to Get Started on Your Quote

To get started, call our office or head to our quotes page. We’ll help you figure out exactly which coverages your business needs, without paying for ones it doesn’t.