Checklist

Landscaping Coverage Checklist

Review coverage lines, endorsements, and quote gaps for landscaping work.

How to use this tool

Review landscaping coverage by organizing main services, client type, core coverage lines, operation-specific checks, certificates, contracts, and quote gaps.

Who this is for

Contractors and business owners preparing insurance details for a job, contract, quote, certificate request, or renewal.

When to use it

Use it before sending a broker request, certificate request, contract response, renewal packet, or internal insurance review.

How to use it

Enter the details you have, review the generated checklist, and download a copy for your records or broker discussion.

What you get

A downloadable checklist that organizes the insurance details for this task in one place.

Landscaping Coverage Checklist

Review coverage lines, endorsements, and quote gaps for landscaping work.

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Business name

Contact name

State

Main service

Client type

Review date

Certificate due

Contract or job

Checklist

Download checklist

A downloadable checklist that organizes the insurance details for this task in one place.

Available as PDF, DOCX. The file uses the current field values.

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Preview of downloaded checklist

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Review summary

Business: ________________ Contact: ________________ State: ________________ Primary landscaping service: ________________ Client type: ________________ Contract or job: ________________ Review date: ________________ Certificate due date: ________________

Use this checklist to compare your current policy, quote proposals, and certificate requirements against the landscaping work you actually perform.

Core coverage lines

Mark each line as Have, Need, or Not applicable. Add the quoted or contract-required limit in the last column.

Coverage line	What it addresses	Limit to confirm	Have	Need	Notes
General liability	Non-employee injury, customer property damage, and defense costs tied to landscaping operations.	Quote or contract limit	[ ]	[ ]	Confirm customer property damage, utility damage, and completed work concerns.
Workers compensation	Work-related employee injury or illness, including outdoor crew injuries.	State and contract requirement	[ ]	[ ]	Review once you hire employees or use crews.
Commercial auto	Business-owned trucks, trailers, and vehicles traveling between job sites.	Quote or contract limit	[ ]	[ ]	Check owned, hired, and non-owned auto needs.
Tools and equipment	Mowers, trimmers, blowers, hand tools, rented gear, and mobile equipment away from the shop.	Scheduled or blanket amount	[ ]	[ ]	Thimble describes equipment protection up to a $5,000 limit, with blanket coverage for equipment under $2,500.
Umbrella or excess	Additional liability limit above underlying policies for larger contracts or higher-limit customers.	Contract-required amount	[ ]	[ ]	Useful when commercial, HOA, municipal, or property manager contracts require higher limits.
Contractors E&O	Alleged workmanship errors or mistakes in landscaping design, advice, or installation work.	Quote limit	[ ]	[ ]	More relevant for design-build or consulting work than routine mowing.

Operation-specific checks

Use this section to make sure the application and quote match the real services performed.

Service or exposure	Why it matters	Have	Need	Notes for agent or carrier
Lawn mowing and maintenance	Routine mowing, trimming, cleanup, aeration, overseeding, mulch, and planting may be treated differently from higher-risk work.	[ ]	[ ]	List the services separately instead of only saying landscaping.
Herbicide or pesticide work	Chemical use can create customer sickness or property damage claims and may need specific coverage attention.	[ ]	[ ]	Disclose spraying, fertilizing, herbicide, and pesticide application.
Snowplow operations	Seasonal snow and ice work can create slip-and-fall and property damage exposure.	[ ]	[ ]	Disclose plowing, salting, mall, HOA, or commercial lot work.
Tree trimming above ground	Tree height work can trigger additional underwriting questions.	[ ]	[ ]	State whether trimming is from the ground or above ground level.
Tree or stump removal	Stump grinding and tree removal appear as distinct underwriting and appetite items.	[ ]	[ ]	Identify stump grinding, chipping, tree removal, and related equipment.
Lot or land clearing	Clearing work can involve heavier equipment and broader property damage exposure than maintenance.	[ ]	[ ]	Separate land clearing from mowing, planting, and routine cleanup.
Landscape design services	Design, consulting, and professional advice can create E&O or professional liability questions.	[ ]	[ ]	Note whether you design, consult, or only install to plans.
Trucks, trailers, and towing	Vehicles that tow equipment affect auto and inland marine review.	[ ]	[ ]	List owned trucks, trailers, plows, and hauled equipment.

Contract and certificate review

Compare the contract or certificate request against the quote. A certificate may not be enough if the contract asks for endorsements.

Requirement	What to check	Have	Need	Notes
Additional insured	Confirm whether the client, property manager, HOA, municipality, or contractor must be added to liability coverage.	[ ]	[ ]	Policy wording controls the added party's protection.
Ongoing operations AI	CG 20 10 is commonly used for additional insured status during ongoing operations.	[ ]	[ ]	Match the form request to the contract.
Completed operations AI	CG 20 37 addresses completed operations additional insured coverage.	[ ]	[ ]	Ongoing-only wording may not satisfy completed-work requirements.
Primary and non-contributory	The contract may require your policy to respond before the customer's policy for covered claims.	[ ]	[ ]	Confirm this is shown by endorsement when required.
Waiver of subrogation	The contract may ask the carrier to waive certain recovery rights against the protected party.	[ ]	[ ]	Review CGL, auto, workers compensation, and umbrella if listed.
Workers compensation proof	Landscaping contracts may require workers compensation and employer's liability before work starts.	[ ]	[ ]	Do not rely only on a general liability certificate.
Auto liability proof	Contracts may require owned, non-owned, and hired auto coverage.	[ ]	[ ]	Important when crews drive to properties or tow equipment.
Umbrella evidence	Larger contracts may require umbrella or excess coverage above primary limits.	[ ]	[ ]	Confirm underlying policies are listed correctly.

Quote review notes

Questions to resolve before binding coverage:

1. Does the application list every service: mowing, mulch, planting, irrigation blowout, chemicals, snow, stump work, tree work, land clearing, hardscape, and design? 2. Are trucks, trailers, plows, and mobile equipment handled outside personal auto coverage? 3. Are mower, blower, trimmer, trailer, rented equipment, and borrowed equipment values protected by tools and equipment coverage? 4. Do contracts require additional insured, primary and non-contributory, waiver of subrogation, or completed operations endorsements? 5. Are payroll, employee count, revenue, subcontracted work, and client types accurate for the coming policy term? 6. Is any higher-risk work, such as sidewalk reconstruction, excavation, tree removal, chipping, or land clearing, separated from routine lawn care?

Open items: - - -

Next steps

Send the completed checklist to your agent with current policy pages and contracts.
Ask for endorsement copies when the contract requires more than a certificate.
Update the checklist before renewal if services, vehicles, crews, or equipment change.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, State, Main service, Client type, Review date, Certificate due, Contract or job

Document sections

Review summary, Core coverage lines, Operation-specific checks, Contract and certificate review, Quote review notes

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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