Spring Is Here, and Business Is Blooming: Is Your Landscaping Company Covered?
The green returns to Western New York and landscaping businesses are sharpening their tools, tuning up their trucks, and prepping for one of the busiest—and most profitable—seasons of the year. But with new growth comes new risk. Whether you're mowing lawns, planting flower beds, trimming trees, or managing large commercial contracts, the right insurance coverage can be the difference between a season of success and one costly setback.
At Ellen Fenton & Company Insurance, we know what it takes to keep your landscaping business protected and prepared—so you can focus on doing what you do best: making the world a little greener.
Why Landscaping Insurance Is Non-Negotiable
Landscaping businesses face unique risks that aren’t covered by a basic business policy. Your crew is operating heavy machinery, working on clients' property, driving between job sites, and sometimes handling hazardous materials like chemicals or fuel.
Here’s what can go wrong:
A rock flies through a client’s window during mowing.
An employee is injured lifting a heavy tree stump.
Your trailer is stolen with equipment inside.
A customer slips on freshly watered grass at a job site.
Each of these scenarios could lead to a lawsuit, major repairs, or income loss—unless you're covered properly.
Key Coverages for Landscaping Companies
Whether you're a solo operator or run a growing crew, here are the essential types of coverage we recommend for landscaping professionals:
General Liability Insurance – Protects against property damage and bodily injury claims.
Commercial Auto Insurance – Covers your trucks, trailers, and other vehicles used for business.
Equipment & Tools Coverage – Replaces stolen or damaged tools that keep your business running.
Workers’ Compensation – Required in most states, this covers medical expenses and lost wages for injured employees.
Inland Marine Coverage – Offers extra protection for equipment transported from site to site.
Business Owners Policy (BOP) – Combines property and liability insurance into one customizable package.
Let’s Grow Your Coverage with Your Business
Your business is seasonal, but your protection shouldn’t be. Our team at Ellen Fenton & Company Insurance offers custom-built coverage options designed specifically for your operations, your crew, and your budget. We take the time to understand your business, explain what you need (and what you don’t), and make sure you're fully covered before your first job of the season.
We’re more than an agency—we’re part of your crew.
Ready for a Fresh Start?
Give your landscaping company a strong foundation this spring. Let’s talk coverage, walk through your current policy, and make sure everything’s in full bloom—without the risk.
📞 Call us today or stop by our office in Ellicottville or Franklinville
📩 Prefer email? Reach out anytime—we’ll get back to you faster than you can say “mulch delivery.”
Ellen Fenton & Company Insurance
Where coverage grows with you.