Landscape Contractors

Full List of Construction & Contracting Services

Landscape contractors bridge the gap between horticulture and construction, often performing "hardscape" (stone, wood, and water features) alongside "softscape" (planting and turf). Because their work involves underground utilities, chemical application, and heavy machinery in residential or commercial settings, Landscape Contractor insurance is designed to address the risks of utility damage, chemical drift, and environmental impact, subject to the terms, conditions, exclusions, and limitations of the policy issued.

1. General Liability & Utility Strikes

Much like excavators, landscapers frequently dig for irrigation lines, lighting, and tree planting. Coverage is structured to address the costs associated with hitting underground gas, water, or fiber optic lines, which can lead to massive repair bills and service interruptions for entire neighborhoods.

2. Herbicide & Pesticide Limited Pollution

The application of fertilizers and weed killers carries a "drift" risk. Standard policies often exclude pollution, so specialized endorsements are necessary to protect the contractor if chemicals blow onto a neighbor’s prize-winning garden, contaminate a local pond, or cause illness in a client’s pet.

3. Hardscape & Structural Failure

Landscape contractors often build retaining walls, outdoor kitchens, and patios. If a retaining wall is improperly engineered and collapses, damaging a home or injuring someone, this coverage addresses the construction defect and the resulting property damage.

4. Care, Custody, and Control (Plant Material)

Landscapers often handle high-value specimens, such as mature trees or exotic plants, before they are in the ground. This coverage protects the contractor if they accidentally kill or damage expensive plant material while it is in their "care" (e.g., during transit or while waiting for a hole to be dug), which is typically excluded from basic liability.