From lawn maintenance crews to full-scale landscape design firms, KIG builds insurance programs that cover the unique risks of the green industry — including property damage, chemical liability, and equipment.
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Landscaping businesses face liability from equipment damage, chemical applications, and property damage. Here's how KIG structures your protection.
Core coverage for property damage and bodily injury during landscaping operations — including damage to irrigation systems, hardscape, or clients' property during maintenance.
Covers your trucks, trailers, zero-turn mowers transported on trailers, and all vehicles used in your landscaping business — including trailer hitches and attached equipment.
Covers mowers, trimmers, blowers, skid steers, and other landscaping equipment from theft, vandalism, and damage — on site, in transit, or at your yard.
Landscaping crews work with sharp equipment, heavy machinery, and in extreme weather. Workers' comp is required in most states and protects your team and your business.
If you apply herbicides, pesticides, or fertilizers, you need specific coverage for chemical drift, contamination, and environmental damage — standard GL policies often exclude this.
Additional liability limits above your primary policies — important for landscaping businesses doing large commercial property maintenance contracts.
Landscaping insurance is often dismissed as simple by generalist agents. But pesticide liability, equipment theft, and trailer accidents are real exposures that require careful structuring.
Many GL policies exclude pesticide-related claims entirely. KIG makes sure your policy covers chemical application liability if you apply any treatments.
Your equipment is your business. We prioritize inland marine coverage for your mowers, skid steers, and trailers — whether they're at a job, in transit, or stored at your yard.
For businesses that are heavier in spring and summer, we can structure policies that recognize your seasonal revenue and risk patterns.
Landing commercial maintenance contracts often requires specific insurance limits and endorsements. We help you meet those requirements quickly.
Landscaping liability ranges from a mower blade throwing a rock through a window to herbicide drift damaging a neighbor's garden — and everything in between.
Mowers, edgers, and trimmers can damage irrigation heads, lighting, hardscape, windows, and vehicles on client properties.
Commercial mowers and landscaping equipment are high-value theft targets, especially from unsecured trailers overnight.
Herbicide or pesticide applications can drift to neighboring properties, causing plant damage or contamination claims not covered by standard GL.
Landscaping equipment injuries are common — from lacerations and eye injuries to heat stroke. Workers' comp is essential.
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