Landscaping Insurance Pennsylvania

Landscaping Insurance in Pennsylvania & beyond

Everoak Insurance Group provides landscaping insurance solutions to businesses in Pennsylvania, Maryland, Virginia, and West Virginia.

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If you operate a landscaping business in Pennsylvania, you’re probably no stranger to hard work. Whether you’re mowing lawns in Mechanicsburg, building stone walls in State College, or removing snow in Allentown, you face daily risks that could impact your ability to deliver for your clients and grow your business.

At Everoak Insurance Group, we specialize in helping Pennsylvania business owners like you explore insurance options that make sense for your line of work. Landscaping insurance can be an important step toward protecting your business, your team, and your reputation.

What Is Landscaping Insurance?

Landscaping insurance refers to a collection of business insurance policies designed to address the common risks faced by landscaping professionals. Landscapers often work on residential and commercial properties, operate powerful equipment, and manage employees or subcontractors—all of which create liability exposures.

Depending on your services, your landscaping insurance plan might include general liability coverage, commercial vehicle protection, inland marine for tools, workers’ compensation for employees, and more. The goal is to help reduce the financial strain of certain unexpected events that can occur while running your business.

Landscaping Insurance Pennsylvania

Why Do Landscaping Businesses Need Insurance?

Working in Pennsylvania brings with it a wide range of seasonal tasks—like snow removal, tree pruning, fall cleanup, mulching, and irrigation installs. Each task carries its own set of risks. For example:

  • A customer trips over a hose left on their walkway.
  • A falling limb causes damage to a client’s fence.
  • A trailer full of expensive landscaping tools is stolen.
  • An employee injures their back lifting a stone paver.

Without insurance, your landscaping business may be left to shoulder the cost of these incidents out of pocket. Insurance may help cover the costs associated with certain claims, legal fees, and damages, depending on your policy and the situation. Having the right coverage can also give clients peace of mind, showing that you take your business—and their property—seriously.

Everoak Insurance Group

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Landscaping Insurance Pennsylvania

What Types of Coverage Should Pennsylvania Landscapers Consider?

While every landscaping business is different, there are several types of insurance coverage that are commonly considered essential within the industry:

  • General Liability Insurance: This type of policy may help protect your business from third-party injury or property damage claims. For example, if your crew accidentally damages a client’s sprinkler system, or if someone trips over a piece of your equipment and is injured, general liability insurance may provide protection.
  • Commercial Auto Insurance: Most landscaping businesses rely on vehicles to transport crews and equipment. If you use a truck, trailer, or van for business purposes, commercial auto insurance can help cover damages or liability resulting from an accident.
  • Inland Marine Insurance: Standard property insurance doesn’t always protect tools or equipment once they leave your premises. Inland marine insurance can provide protection for tools, mowers, blowers, and other mobile equipment that are frequently moved between job sites.
  • Workers’ Compensation Insurance: If you have employees in Pennsylvania, workers’ compensation insurance is generally required by law. This coverage may help with medical costs and lost wages if an employee suffers a work-related injury or illness.
  • Equipment Breakdown Insurance: Mechanical and electrical breakdowns can disrupt your operations and lead to costly repairs. This coverage may assist with repairing or replacing essential machinery, such as skid steers, power augers, or generators, in the event of an internal failure.
  • Commercial Property Insurance: If you maintain an office, warehouse, or shop, this coverage may help protect the building and its contents from losses related to fire, theft, or weather events.

Each policy can be customized depending on your business structure, number of employees, and specific services provided.

Insurance premiums vary based on your business profile. Here are a few factors that typically influence your cost:

  • Business size and revenue – Larger operations with more exposure usually pay more for coverage.
  • Types of services offered – Tree work and hardscaping generally present more risk than mowing or mulching.
  • Number of employees – More employees can increase your payroll and liability exposure.
  • Equipment value – Insuring high-value machinery may raise your premiums.
  • Claims history – A clean history can help you secure more favorable rates.

For a solo landscaper just starting out, basic general liability coverage might cost a few hundred dollars per year. On the other hand, established businesses with fleets and employees may pay several thousand dollars annually. At Everoak Insurance Group, we work to match you with competitive quotes from reputable carriers based on your unique needs.

While Pennsylvania does not require all businesses to carry general liability or inland marine coverage, certain policies may be required depending on your business setup:

  • Workers’ Compensation – If you have one or more employees, Pennsylvania law generally requires you to carry workers’ compensation insurance.
  • Commercial Auto – If you own or lease vehicles under your business, they must be covered by commercial auto insurance.
  • Contract Requirements – Many commercial clients, homeowners’ associations, or municipalities will require proof of insurance before you can begin work.

Even if it’s not legally required, carrying proper insurance may help protect your business and make it easier to win new clients.

Everoak Insurance Group has been serving Pennsylvania business owners for years. We take pride in offering local expertise with personalized service. Our process is simple, collaborative, and tailored to your goals.

When you contact us, here’s what you can expect:

  1. A Personalized Consultation – We take time to learn about your business, services, and risk profile.
  2. Coverage Recommendations – Based on your operations, we help you explore a blend of policies that make sense for your needs.
  3. Multiple Quotes – We partner with top-rated insurers and provide multiple options to fit your budget.
  4. Ongoing Support – We’re here beyond the policy. Whether you have questions, want to expand coverage, or need to file a claim, we’re just a call or click away.

Choosing the right insurance partner is just as important as choosing the right coverage. At Everoak Insurance Group, we focus on relationships, not just policies. 

Whether you’re located in Erie, Harrisburg, or anywhere in between, we’re here to help you find the insurance options that work best for your business.

Everoak Insurance Group

Ready to Explore Landscaping Insurance Options in Pennsylvania?

Let’s take the next step together. At Everoak Insurance Group, we make it easy to learn about your options, compare quotes, and choose coverage that supports your long-term success.

Reach out to us to get started. One of our agents will be happy to assist you.

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Everoak Insurance Group

For questions or concerns, please contact our independent insurance agents.

Our Office Locations:

Hanover, PA
515 Carlisle St, Hanover, PA 17331

Littlestown, PA
1 S Queen St, Littlestown, PA 17340