If you run a landscaping business in Michigan—whether you’re a solo operator or managing a full crew—having the right insurance program is essential. Landscaping work comes with unique risks, from property damage to injuries to theft of expensive equipment. The right coverage protects your business financially and helps you meet client, vendor, and Michigan state requirements.
This guide breaks down
the best insurance coverage for landscapers in Michigan, what each policy covers, how much insurance you need, and why choosing the right insurance partner matters.
Why Landscapers in Michigan Need Business Insurance
Landscaping involves physical labor, jobsite risks, and expensive tools and vehicles. Without proper coverage, one accident or lawsuit could severely impact your business.
Business insurance helps protect you from:
- Third-party injuries or property damage claims
- Vehicle accidents involving company trucks or trailers
- Employee injuries on the job
- Theft or damage to tools, mowers, trimmers, and equipment
- Costly lawsuits and legal fees
- Contract requirements from commercial clients or municipalities
Michigan landscapers face exposures year-round, and insurance helps ensure your business stays protected regardless of the season.
General Liability Insurance for Landscapers
General liability insurance is the foundation of any landscaping insurance program. It protects your business if your work causes injury or damage to someone else.
What General Liability Covers
- Property damage caused while trimming, mowing, or landscaping
- Injuries to clients or third parties at a jobsite
- Accidents caused by tools or equipment
- Legal defense costs if your business is sued
Most commercial clients, HOAs, and municipalities in Michigan require proof of general liability coverage before you step on site.
Recommended Limits
Many landscapers start at
$1 million per occurrence / $2 million aggregate, but larger operations or those working with commercial clients may need higher limits—or an umbrella policy (covered later).
Commercial Auto Insurance for Landscaping Businesses
If your landscaping company uses trucks, trailers, or vehicles to haul equipment,
commercial auto insurance is essential.
What It Covers
- Company vehicles used for business
- Trailers used for transporting mowers and materials
- Liability from at-fault accidents
- Comprehensive & collision for physical damage
- Coverage requirements for financed or leased vehicles
Key Factors That Impact Cost
- Type of vehicles
- Driving radius
- Number of drivers
- Claims history
Make sure all
vehicles AND trailers are listed accurately on the policy—many landscaping claims involve damaged trailers or equipment during transport.
Workers Compensation Insurance (Required in Michigan)
In Michigan, you are required to carry
workers compensation insurance if you have
one or more employees working 35 hours per week.
What Workers Comp Covers
- Medical expenses after a work-related injury
- Wage replacement
- Rehabilitation services
- Employer liability protection
Landscaping is considered a higher-risk industry due to physical labor, power equipment, and outdoor job conditions. Workers comp protects both your employees and your business.
Inland Marine Insurance (Tools & Equipment Coverage)
Landscapers use expensive tools and equipment that travel from jobsite to jobsite.
Inland marine insurance covers equipment that your property insurance would not.
What Inland Marine Covers
- Mowers
- Trimmers and blowers
- Skid steers
- Power tools
- Equipment stored in trucks, trailers, or on the job
This policy protects against
theft, fire, vandalism, or damage while in transit, which is one of the most common types of landscaping losses.
Additional Coverages for Landscaping Businesses
Depending on the size and structure of your business, other policies may be important as well.
Commercial Umbrella Insurance
Adds an extra layer of liability protection above your general liability, auto, and workers comp.
Common requirement for larger commercial clients and municipal contracts.
Employment Practices Liability Insurance (EPLI)
Protects your business from claims related to:
- Wrongful termination
- Discrimination
- Harassment
- Employee lawsuits
Commercial Property Insurance
Important if you own or lease:
- Office space
- A yard or shop
- Storage for equipment or materials
Covers buildings, contents, and in some cases business interruption.
Choosing the Best Insurance Company for Michigan Landscapers
There are many great options for landscaping insurance in Michigan, including both national carriers and strong regional companies. The “best” insurer will depend on:
- Your business size
- Your claims history
- Fleet size
- Number of employees
- Types of work you perform
- Your coverage needs
This is why
working with an independent insurance agent matters. Instead of being limited to one company, an independent agent can compare multiple carriers to help you find the right coverage at the right price.
Final Thoughts
Landscaping businesses in Michigan face unique risks, from jobsite exposures to expensive equipment and transportation needs. The right insurance program protects your company financially and gives you the confidence to take on larger projects and clients.
If you want help reviewing your current insurance or getting a quote tailored to your landscaping business, I’m here to help.
Need help reviewing your landscaping insurance?
Contact us anytime — I can walk you through your coverage options and help you find the best fit for your business in Michigan.
