Landscaping Insurance in Tennessee

Common risks for landscapers

• Rocks thrown by mowers or trimmers that break windows or hurt people
• Hitting irrigation, gas, or cable lines while digging
• Trailer and truck accidents
• Chemical drift from fertilizer or weed control
• Theft of mowers and trailers

Coverages landscapers often consider

• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Tools and equipment (inland marine) Covers mowers, trimmers, skid steers, and trailers of equipment.
• Commercial auto Trailers hitched to your truck should be listed and insured properly.
• Workers’ compensation Pays medical bills and lost wages if an employee is hurt on the job, and includes employer’s liability.
• Commercial umbrella Adds higher liability limits above your general liability, auto, and employer’s liability.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine a mower kicks up a rock that shatters a sliding glass door at a home in Brentwood. The homeowner asks you to replace it. Claims like that are often handled under general liability, subject to your deductible and policy terms.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Home improvement license. For residential remodeling projects from $3,000 to $24,999, a Tennessee home improvement license is required in counties that adopted the law, including Davidson, Rutherford, and Robertson. It requires general liability, workers’ compensation, and a $10,000 surety bond or other approved security, per the Board for Licensing Contractors.

Contractor licensing. A Tennessee contractor’s license is generally required before bidding or contracting on projects of $25,000 or more, and the Board for Licensing Contractors requires general liability insurance and workers’ compensation (unless exempt) to get licensed, according to the Tennessee Board for Licensing Contractors.

Workers’ comp for construction. Tennessee requires construction employers to carry workers’ compensation for their employees even if they have only one, including part-time and family workers, according to the Tennessee Department of Labor and Workforce Development. Some construction business owners can apply to exempt themselves (not their employees) through the state’s exemption registry.

Commercial plates. In Tennessee, a vehicle with a commercial license plate must be covered under a commercial auto policy, according to the Tennessee Department of Revenue.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write landscapers, subject to underwriting.

Certificates of insurance

HOAs, commercial properties, and property managers almost always require certificates from landscapers, often with additional insured status.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help landscapers

Builders, remodelers, and trades from Gallatin and Hendersonville to Murfreesboro, Lebanon, and Franklin often juggle general contractor requirements, county permits, and fast schedules. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Contractor and Trades Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• Commercial auto insurance
• Certificates and additional insureds explained
• What drives commercial auto costs
• Tennessee contractor license insurance requirements
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)