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Landscaping insurance · California

Landscaping and gardening insurance in Los Angeles

Mowers throw rocks, trimmers hit windows, and customers walk across wet yards. General liability pays when your work hurts someone or damages their property. You can buy it online for one job or a whole year.

$1,000,000General liability limit on Thimble's landscaper policy
D-49Tree service contractors must carry workers' comp, even with no employees
1 employeeis enough to need workers' compensation in California

Start a coverage review Call Billy

What landscaping liability covers

Usually covered

Bodily injury: someone other than your workers is hurt because of your work, like a rock thrown by a mower.
Property damage: you or your crew damage a client's or someone else's property.
Legal defense: lawyers and court costs if you are sued over a covered claim.
Medical payments: small medical bills for someone hurt at your work, without a lawsuit.

Usually not covered

Injuries to your own employees (that is workers' compensation)
Your own tools, equipment or vehicles
Damage to the work you are doing itself, in most cases

How Thimble coverage works

Coverage when you need it. Thimble sells these policies by the hour, the day, the month or the year, so a one-off job can be covered on its own.
Proof for your client. After you buy, you can download a certificate of insurance to show a client, landlord or venue.
You stay in control. Thimble lets you change, pause or cancel a policy online or in its app.

What a policy covers, its limits and its price depend on your business, your ZIP code, your crew size and how long you buy for. The policy itself is what decides a claim.

Equipment, trucks and tree work

Your equipment: mowers, blowers, trimmers and trailers need their own coverage; general liability does not pay to replace them.
Your truck: a personal auto policy may not cover a truck used for your business. Tell Billy how each vehicle is used.
Tree work: tree service contractors (D-49) must carry workers' compensation even with no employees.

Get a quote online

Get a price and buy online below. Billy is the broker on these Thimble policies, so you can call him with questions before or after you buy.

Open the Thimble quote in a new tab

This quote tool is run by Thimble Insurance Services. What you type into it goes to Thimble and is covered by Thimble's privacy policy, not ours. Rather talk it through? Use the form on this page or call (323) 393-5077.

Cyber coverage

Thimble can add cyber coverage to its yearly general liability policy, with up to a $100,000 limit for a data breach, cyber crime or cyber extortion. It is not available in every case; see the business insurance guide for what it covers and leaves out.

What to have ready

What work you do: mowing, planting, irrigation, tree work
Your ZIP code and where you work
How many people are on your crew
How long you need coverage: one job, a month or a year
Any client who needs to be listed on the certificate

Other trades

Billy also has pages for other trades Thimble covers:

Contractors and handymen

Liability for remodels, repairs and handyman jobs, plus the bond and workers' comp rules California contractors face.

See contractors and handymen coverage

Cleaning and janitorial

Liability for house cleaners, janitorial crews and commercial cleaners working in clients' homes and offices.

See cleaning and janitorial coverage

Event vendors and entertainers

General and professional liability for DJs, performers and vendors, with free additional insureds for venues.

See event vendors and entertainers coverage

Photographers

General and professional liability for portrait, event and wedding photographers.

See photographers coverage

Need something else, such as workers' compensation, a business owner's policy or commercial auto? The small business insurance guide covers those, and Billy can compare other companies for you.

Common questions

Does liability insurance cover my mower and trimmers?

No. General liability covers injuries to other people and damage to their property. Your own mowers, blowers, trimmers and trailer need separate equipment coverage, and your truck needs commercial auto.

What if a rock from my mower breaks a window?

That is the kind of accident general liability is for: damage to someone else's property caused by your work, up to the policy limit and subject to its terms.