Landscaping insurance in Canada

Get reliable landscaping insurance coverage tailored for you by BrokerLink.

The landscaping industry in Canada is booming. According to industry reports from IBISWorld, with almost 18,000 landscaping services businesses, the sector grew to $14.3 billion in 2024, up 5.2% from the previous year.

Whether you specialize in lawn care, hardscaping, or year-round grounds maintenance, BrokerLink offers customized landscaping insurance plans to safeguard your work, equipment, and team. Our expert brokers will ensure your coverage includes everything you need to stay protected on the job.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is landscaping insurance?

At BrokerLink, we know that landscaping is more than a professional service. It’s a hands-on business that comes with real risks. Landscaping business insurance is a type of comprehensive business insurance designed to protect professional landscaping companies from unexpected financial loss. At its core, it typically covers:

Third-party property damage or injuries
Stolen, lost, or damaged landscaping gear
Business vehicles used to haul trailers and transport crews to the job site

This kind of coverage is essential, not just something nice to have. Without it, a simple mistake, like a mower clipping a client’s fence or a set of tools going missing from your truck, could turn into a pricey legal headache. And with the kind of risks landscapers face daily, most experts recommend having at least $2 million in liability coverage to stay protected if something goes wrong on a job site. Contact BrokerLink today for a free landscaping insurance quote.

Who we help?

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

From solo operators to growing crews, landscaping professionals across Ontario face unique risks both on the job site and on the road. BrokerLink helps protect your business with landscaper insurance tailored to your specific needs, whether you offer residential lawn care or manage large commercial landscaping contracts.

Landscaping insurance is essential for professionals and businesses that work outdoors, use specialized tools, transport equipment, or interact directly with clients’ properties. Common roles that benefit from coverage include:

Snow removal contractors
Garden and landscape design firms
Tree trimming and arborist services
Fertilizer and pesticide applicators
General grounds maintenance providers
Irrigation and sprinkler system technicians
Landscape construction and excavation services
Hardscaping contractors (e.g., patios, retaining walls, interlock)
Residential and commercial lawn care and grass cutting businesses

Why do you need insurance for landscaping?

Technically, business insurance itself isn’t required by law in Canada, unless you’re using a vehicle for work, in which case you do need commercial auto insurance. Nevertheless, if you’re running a landscaping business, having the right coverage is essential, and in many cases, expected.

Let’s say you’re doing regular work for homeowners, property managers, or local businesses. Before they hire you, they’ll probably ask for proof of insurance. That’s because landscaping work, whether residential or commercial, comes with risks. A client could slip on a walkway during your visit, a piece of equipment could damage a fence, or you might accidentally damage part of their garden. If you’re not covered, you could be held responsible, and so could your client.

What does landscaping insurance cover?

Landscaping comes with a unique mix of outdoor hazards, heavy equipment, and client property exposure, which means the right insurance is key to staying protected and professional. As stated by the IBC, "Having the right insurance is essential for a business to manage the uncertainties and thrive in a marketplace that is full of both opportunity and risk.”

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Commercial general liability (CGL) insurance protects your landscaping business from claims of third-party bodily injury or property damage that happen during your work. This can include a client tripping over tools left on-site or accidental damage to a fence, walkway, or irrigation system. General liability coverage can help cover legal fees, medical bills, and repair costs, so one accident doesn’t derail your business.

If you use a truck, trailer, or van for your business, commercial auto insurance is a must because it covers more than just your vehicle. It also protects you from liability, medical expenses, and property damage caused by work-related accidents. Most provinces include coverage for third-party liability, accident benefits, uninsured drivers, and possibly direct compensation–property damage (DCPD). You can also add collision, comprehensive, and loss-of-use protection for added peace of mind.

Tools and equipment insurance helps protect the essential gear your business relies on, from mowers and trimmers to trailers and power tools. This coverage applies whether your tools are on-site, in transit, or stored at your shop. It can cover loss or damage due to theft, fire, vandalism, or accidental breakage, so you don’t have to pay out of pocket to replace expensive equipment.

Whether you own or lease a shop, office, warehouse, or work from home, commercial property insurance protects the physical assets your landscaping business depends on. It covers damage or loss caused by fire, water, theft, vandalism, or severe weather. This includes buildings, tools, electronics, inventory, and office furniture, as well as any improvements made to a rented space. It may also include business interruption coverage, which helps cover lost income and ongoing expenses if you’re forced to temporarily shut down due to an insured event.

Pollution liability insurance helps protect your business from claims related to environmental damage caused by your operations. This can include accidental spills of fuel, pesticides, herbicides, or fertilizers that lead to contamination, property damage, or health issues. The coverage can help pay for cleanup costs, legal fees, civil fines, and third-party injury or property damage, whether the claim is made immediately or surfaces later.

Professional liability insurance (also known as errors and omissions (E&O) insurance) protects your landscaping business against claims of negligence, mistakes, or failure to deliver professional services as promised. This coverage is especially important for garden and landscape design firms, consultants, or businesses offering planning and project oversight. It helps cover legal fees, settlements, and damages if a client claims your design or advice caused them financial loss or property damage.

Cyber liability insurance protects you from the financial fallout of cyberattacks, data breaches, and other digital threats. Even small landscaping businesses that use email, digital invoicing, or store customer information online can be targets. This coverage helps pay for things like legal fees, data recovery, customer notification, and credit monitoring if sensitive information is compromised.

This coverage offers added protection when claims exceed the coverage limits of your existing liability coverage. It’s designed to cover large lawsuits, legal fees, or settlement amounts that go beyond what your base policies can handle. For landscapers working on high-value properties or large commercial sites, an umbrella policy provides essential backup when the unexpected happens.

This protects in situations where your landscaping business could be held legally responsible for the actions of subcontractors or third parties, even if you’re not directly at fault. This coverage is especially important if you hire subcontractors for specialized tasks like hardscaping, irrigation, or snow removal. It helps cover legal expenses, damages, or settlements if a claim is made against your business due to their actions.

What does landscaping insurance not cover?

While landscaping insurance offers comprehensive protection for your business, there are certain situations and risks it typically won’t cover, such as:

Damage caused intentionally or through illegal activity
Work done without proper permits, licensing, or certifications
Wear and tear or mechanical breakdown of tools and equipment
Claims arising from work done by subcontractors who are not properly licensed or insured
A personal vehicle for business-related work
Environmental damage not covered under a pollution liability policy
Faulty workmanship or negligence, unless you have professional liability insurance

To find out what your current policy does or does not include, review the limits and exclusions page in your policy document or contact your insurance broker.

Let us be your resource for all things landscaping insurance

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Factors that affect landscaping insurance costs

The cost of your landscaping insurance policy depends on the unique details of your business operations. And since no two landscaping businesses look the same, neither do their insurance costs. Here are some of the factors that insurance providers consider when calculating your premiums:

Your location

Premiums can vary between provinces, between cities, and even between neighbourhoods, depending on claim trends, local weather risks, and how active the construction and landscaping sectors are in your area.

Type of projects

A landscaper who designs backyard patios generally faces different risks than one handling large commercial sites. The bigger or more complex the job, the higher the potential for property damage or liability claims.

Experience level

A proven track record with fewer claims will often help lower your rates, as insurance companies will likely see your company as a lower risk investment when compared to newer operations.

Tools and equipment

A skid steer or excavator carries more replacement cost and liability exposure than basic hand tools, which affects how much coverage you need.

Revenue and payroll

Your annual and projected revenue help insurance providers gauge your business’s size and exposure. More work typically means more job sites and more opportunities for accidents.

Team size

Having employees adds a whole other layer of responsibility. Workers’ compensation and liability coverage can both rise as your crew grows, especially if they operate machinery or vehicles.

Vehicles and transportation

If your landscaping business relies on trucks or trailers to haul materials and equipment, the number and type of vehicles you own will influence your commercial auto insurance rates. Larger fleets or heavier-duty vehicles usually mean higher replacement costs and, thus, higher premiums.

Industry trends and legal climate

Beyond your individual business profile, there’s also a bigger picture affecting insurance costs across Canada, especially when it comes to liability. According to the IBC, lawsuits in Canada are becoming more common and more expensive. Things like class actions, third-party litigation funding, and aggressive legal advertising are driving up the cost of claims. In a Dentons report, commissioned by the IBC, they found that litigation costs are steadily rising, and that’s directly impacting what businesses like yours pay for liability coverage.

Fortunately, there are industry groups stepping up. Associations like Landscape Ontario, the Canadian Nursery Landscape Association (CNLA), and the Canadian Society of Landscape Architects (CSLA) promote risk management through standards like the Canadian Landscape Standard and certified training programs. These not only improve safety and professionalism but also help reduce liability risks, and fewer risks can mean lower insurance rates over time.

How BrokerLink helps landscapers in Canada

Since 1991, BrokerLink has been helping Canadians protect what matters most with insurance that fits both their business and their budget. For landscapers, that means more than just a basic policy. Whether you’re mowing lawns in Mississauga, installing patios in Calgary, or managing large commercial projects in Halifax, our brokers understand the hands-on risks and seasonal demands of your work.

We take the time to learn about your tools, vehicles, staff, and services, then we shop around on your behalf, comparing quotes from leading insurance companies to find the right coverage for your business.

Contact us

Are you looking for landscaping insurance in Canada? Contact BrokerLink today. Our brokers can help you find the right coverage for your business at the best possible rate. Whether you’re a solo landscaper, run a small crew, or manage large commercial projects, we’ll gather personalized quotes and explore your options to build an affordable landscaping insurance policy that fits your business. From liability to tools, vehicles, and more, we’ve got you covered.

You can call, email, or visit us in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive quote online in minutes.

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Landscaping insurance FAQs

Are employees or subcontractors included in my landscaping insurance policy?

Typically, employees can be included in your policy as additional insureds. However, subcontractors generally need their own insurance coverage. It's always worth checking your policy for specific terms or reaching out to your insurance broker before hiring.

What happens if I expand my landscaping services?

Simply inform your broker or insurance provider. They can update your policy to include any new services, equipment, or team members to make sure your coverage keeps pace with your growing business and protects you against unexpected risks.

Can I bundle my landscaping insurance with home or auto insurance?

Generally, you cannot bundle business insurance with personal coverage like home or personal auto insurance. However, you may be able to bundle your commercial liability with commercial auto or commercial property insurance. Contact your insurance broker or provider to find out if you qualify.

Are employees or subcontractors included in my landscaping insurance policy?

Can I bundle my landscaping insurance with home or auto insurance?

What happens if I expand my landscaping services?

Vehicle Insurance

Property Insurance

Other Insurance

Landscaping insurance in Canada

What is landscaping insurance?

Who we help?

What businesses need landscaping insurance?

Why do you need insurance for landscaping?

What does landscaping insurance cover?

Commercial general liability insurance

Commercial auto insurance

Tools and equipment insurance

Commercial property insurance

Pollution liability insurance

Professional liability coverage

Cyber liability insurance

Umbrella liability insurance

Contingent liability coverage

Commercial general liability insurance

Commercial auto insurance

Tools and equipment insurance

Commercial property insurance

Pollution liability insurance

Professional liability coverage

Cyber liability insurance

Umbrella liability insurance

Contingent liability coverage

What does landscaping insurance not cover?

Why BrokerLink

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Factors that affect landscaping insurance costs

Your location

Type of projects

Experience level

Tools and equipment

Revenue and payroll

Team size

Vehicles and transportation

Industry trends and legal climate

How BrokerLink helps landscapers in Canada

Contact us

Resources