Landscaping Insurance, Built Around the Business You’re Growing
Mowing routes, hardscaping crews, irrigation install, snow removal in the off-season, landscaping isn’t one job, it’s several, often running at the same time. A growing landscaping business needs coverage that keeps pace with that, not a generic policy that assumes you’re doing one thing, one way, year-round.
Here’s what we look at when we build your coverage:
- General Liability – protection against on-site injury and property damage claims
- Commercial Auto & Trailers – your trucks, plows, and trailers, covered for the road
- Workers’ Compensation – coverage for your crew if someone gets hurt on the job
- Equipment & Inland Marine – mowers, trimmers, and machinery, covered wherever the job takes them
- Pesticide & Chemical Liability – coverage for fertilizer and herbicide application claims
- Commercial Property – your shop, storage, and equipment at home base
- Umbrella Coverage – extra protection above your liability limits as your contracts grow
General Liability: Your First Line of Defense
You’re working on someone else’s property almost every day, a client’s lawn, a commercial lot, an HOA common area. A mower kicks a rock through a window. A client trips over a hose. A skid steer clips a fence line. General liability is what stands between an incident like that and your bottom line, and it’s often the first thing a commercial contract or property manager will ask to see before you start work.
Your Trailer Isn’t Automatically Covered. Let’s Make Sure It Is.
This is the one growing landscaping businesses miss most often: a standard auto policy frequently doesn’t cover a trailer unless it’s specifically listed on the policy. Same goes for the equipment riding on it, mowers, blowers, and hand tools. We make sure your trucks, your trailers, and what’s loaded on them are all covered, whether they’re on the road, parked at a job site, or sitting in storage over the winter.
Your Crew Shows Up for You. Make Sure You’re Showing Up for Them.
Landscaping is physical work: heat, sharp equipment, heavy lifting, and long hours during peak season. Workers’ compensation is how your crew is protected if they’re hurt doing the job: lost wages, medical bills, the basics covered. It’s required under Michigan law once you bring on employees, and we look for every safety-program discount available, so your costs track your actual operation, not just the industry average.
Applying Chemicals Comes With Its Own Exposure
If your services include fertilizer, herbicide, or pesticide application, a standard general liability policy often won’t fully respond to a claim tied to that work drifting onto a neighbor’s property, runoff complaints, or plant damage. As your service list grows past mowing and into chemical application, your coverage needs to grow with it.
Why Mercer Agency
We’re not here to sell you a policy and disappear. We’re here to understand how your business actually runs, what’s on your trailer, what’s growing your service list, what shifts when mowing season turns into plow season, and build coverage around that. That’s the job of a trusted advisor: not handing you a generic package, but acting as your risk caddie, making sure you’ve got the right club for the shot in front of you, season after season.
It all starts with a conversation. Let’s talk through what your business needs, and what it doesn’t.
