Tag: Landscaping Services

Three questions to ask about your coverage

1. What could go wrong? For landscaping services, it’s often flying debris from mowers, damaged sprinkler lines, and property damage to a client’s yard or vehicle. Your crews are on client property every day, and HOAs and property managers ask for certificates.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP can protect office property, and contractor equipment limits can be increased.

3. Will my business qualify? Tree removal or stump grinding is excluded, as is tree trimming or snowplowing that’s more than half of operations, and snowplowing completed operations isn’t covered. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Landscaping Services is #10 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama landscaping services.