Landscaping Insurance in Colorado

We provide landscaping insurance solutions to businesses in Colorado and beyond.

Landscaping Insurance Colorado

Landscaping Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc

What is landscaping insurance?

Landscaping work comes with certain risks, as accidents can happen, equipment can be stolen, and chemicals can leach. Landscaping insurance may help Colorado landscapers financially shield themselves from the costs that follow covered incidents.

Landscaping insurance policies offer a range of coverages that are tailored for landscapers and lawn care businesses. Policies typically include both liability and property coverages.

What businesses in Colorado does lawn care insurance make sense for?

Any business in Colorado providing lawn care or landscaping services may want lawn care insurance. These policies are generally appropriate for both landscapers and lawn care professionals. Some specific examples of the businesses and companies that get these policies are:

  • Self-employed sole proprietors who mow lawns 
  • Local businesses offering lawn care and landscaping
  • Statewide companies specializing in landscaping
  • Seasonal lawn care businesses
  • Others offering landscaping or lawn care services

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Client Testimonials

The words of our loyal customers…

“I became a client of the DeLuca Agency when it bought my previous insurance agency. Fortunately, Caula Campbell-Frazier transferred with the company. She has been a delight to work with–always responds quickly, thoroughly and with a real desire to answer questions or assist you. I can’t say enough good things about her. You will not be disappointed.”
M R Johnson
“I worked with Caula Campbell to renew my homeowners insurance, she was able to help me by pointing out a gap in my coverage and still was able to lower my premiums. I am enjoying my lower mortgage as a result of the lower escrow. Highly recommend.”
K. Davis
“The agency did a great job on finding better rates for me. The staff is very professional and resourceful. Thanks!”
R. Guitron
Spoke with Gloria and she was very knowledge about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.
R. Brunet, Google Review
Spoke with Gloria and she was very knowledgeable about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.
Had a great experience with the DeLuca Agency. We quoted with them one year and decided not to move forward because life got busy. But we decided to try again the next year and we were welcomed back without judgment for not having moved forward previously. The agent (Paige Brown) was very professional and extremely knowledgeable about the various companies, coverage, etc. They are able to cater to high end clients and it shows with their knowledge, thoroughness, and expertise. She spent a good amount of time answering our complex questions and informed us about things we never knew before that go deeper into insurance coverage. They have a nice range of products as well and seem to do what’s best for your unique situation.
Lyn C., Google Review
Paige with The DeLuca Agency was a great help when I needed insurance recently. Highly recommend.
B. Maki, Google Review
I have worked with the DeLuca Agency since moving to CO in 2019. Danielle Duffy is amazing and has always helped me out with any and everything I have needed. She goes above and beyond every single time I contact her. Beyond that, she is just an overall pleasant person!
Matthew D., Google Review
We have been insured through The DeLuca Agency for over 2 years and find their customer service highly responsive. The Staff is extremely professional and knowledgeable. I highly recommend this agency for any of your insurance needs.
J. Anderson, Google Review
Landscaping Insurance Colorado
Landscaping Insurance Colorado

What insurance protections should landscapers look for?

Lawn care insurance policies can provide several important property coverages, and also important liability coverages. 

Property coverages primarily insure physical assets that a business owns. For landscapers, these might include:

  • Commercial Property Coverage: May insure owned buildings and what’s in them. This could include coverage for lawnmowers, trimmers, spreaders, chainsaws, wood chippers, seeds, plants, treatments, and much more.
  • Inland Marine Coverage: May insure equipment and inventory as they’re moved between locations. This could include everything from woodchippers on a trailer, to seeds and chemical treatments in a vehicle.
  • Equipment Breakdown Coverage: May insure vital equipment if it malfunctions, often covering the costs of immediate repairs. This is usually limited to only larger and essential machinery.

Liability coverages are mainly for if there’s an accident, where another party is harmed and a business is responsible. Some liability protections that landscapers might consider are:

  • General Liability Coverage: Typically applies to common accidents attributed to a landscaper’s actions (not including vehicle accidents). 
  • Errors and Omissions Coverage: Typically applies to mistakes made when advising customers on the installation or management of their landscaping (called E&O coverage).
  • Product Liability Coverage: Typically applies to injuries, illnesses, and property damage caused by landscaping products, including fertilizers, pesticides, and herbicides.
  • Environmental Liability Coverage: Typically applies to environmental harm caused by landscaping products, including spills, leaks, and over-applications of products.
  • Commercial Auto Coverage: Typically applies to landscaper’s commercial vans and trucks. Often covers accident liability, and damage to the vehicles.
  • Commercial Umbrella Coverage: Typically applies an extra layer of insurance, often offering protection against lawsuits that surpass the limits of another liability coverage.

Do landscapers need to get workers compensation coverage?

In Colorado, businesses with employees are generally required to have workers compensation coverage. Landscapers should expect to get it if they have employees, but individuals who mow lawns by themselves likely don’t need the coverage.

The purpose of workers compensation is generally to protect against workplace injury or illnesses.

Landscaping Insurance Colorado

Can landscaping policies cover snow removal?

Insurance companies understand that many businesses provide both landscaping and snow removal services. Policies that cover both services are readily available. 

It’s important to work with a specialized agent who knows landscaping and snowplowing policies, however. A knowledgeable agent will be able to make sure the right coverages for each type of work are included within a policy.

Can landscaping policies cover landscape architecture services?

Landscape architects may find that a landscaping policy suits their needs, but it’s important to confirm that the policy covers all aspects of architectural design work. In particular, landscape architects should review a policy’s errors and omissions coverage with a specialized agent.


Where can landscapers and lawn care businesses find landscaping insurance?

For help finding landscaping insurance, get in touch with the independent insurance agents at The DeLuca Agency. Our Colorado agents will work closely with you to find a landscape policy that’s tailored to your business’s specific needs.

Get in touch with our team!

DeLuca Agency

For questions or concerns, please contact our independent insurance agents.

CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732

MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500

UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078