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Landscaping Coverage Checklist

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

Landscaping Coverage Checklist

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

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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