Landscaping insurance in Florida, one policy package for the whole operation. General liability for the work, commercial auto for trucks pulling open trailers, coverage for mowers, trimmers, and blowers, and workers comp for the crew. We shop 80+ carriers and know what Florida contracts demand from landscapers.
Brown Insurance Services is a Florida agency in Seminole, licensed in 39 states. Real people answer, and we re-shop your package before every renewal.
Most landscapers carry a policy that covers half the business and call it done. The claim that closes a shop is almost never the one the cheap policy covered. For landscapers, the real exposure is a mower-thrown rock through a window or an employee injury on a route, and the policy package has to match it.
Coverage matters most when:
Trucks and trailers on a route also come with state rules. The FLHSMV explains Florida insurance requirements for the vehicles that pull your routes.
Property damage and injuries your work causes, the coverage every contract asks for first and the base of your package.
Trucks pulling open trailers daily on a business policy, because a personal auto policy can deny a claim the moment the vehicle works for the business.
Mowers, trimmers, and blowers on the trailer, covered on the truck, on the site, and in transit. This is inland marine coverage, and most landscapers find out they need it after a theft.
Required in Florida for construction businesses with one or more employees, and for non-construction at four. Exemptions exist but they are narrower than most owners think.
Extra limits over GL and auto when a contract demands $2M or more, cheaper than raising every base limit.
Shop, office, or yard coverage bundled with GL, often the most cost-effective structure for an established operation.
We write landscaping coverage across the state, with deep roots in Tampa Bay. Find your city: Seminole, St. Petersburg, Clearwater, Largo, Pinellas Park, Palm Harbor, and more as we build out.
Answers to the questions Florida landscapers ask most.
It depends on crew size, payroll, your trucks and trailers, the value of your equipment, and the limits your contracts require. A one-person operation costs far less than a five-crew company. Because we shop 80+ carriers, a quick quote beats any online estimate.
Almost always general liability first, usually $1M per occurrence, plus proof of commercial auto and workers comp or a valid exemption. Larger accounts add umbrella limits. We read the contract language and match the certificate to it.
Most landscaping work is non-construction class, which allows up to three employees before Florida requires workers comp, but some site work crosses the line into construction class at one employee. We will tell you straight which side of the line you are on.
No. GL covers damage you cause to others, not your own mowers, trimmers, and blowers. Tools and equipment coverage is separate, it is inexpensive, and it is the claim landscapers actually file most often.
Yes, and it usually saves money. GL, commercial auto, equipment, work comp, and umbrella in one package, one renewal conversation, one agent who knows landscapers.
Landscaping insurance in Florida built for the work, priced across 80+ carriers, with certificates ready when the route cannot wait. See what the right package costs.
