BOP vs Standalone Policies: What's Right for Florida Landscape Contractors?
When a Business Owners Policy saves money — and when it leaves dangerous gaps.
Run a tree service or take on trimming jobs? Our tree trimmer insurance guide explains $0 Down® liability built for crews who work at height.
Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free IndicationA Business Owners Policy bundles GL + property + business income into one packaged policy. For landscapers with a yard, shop, or office, a BOP can save 15–25% over standalone policies.
When BOP Works
- You own or lease a shop/office
- Annual revenue under $5M
- Standard landscape, lawn, or irrigation work
- No tree work above 12 feet
When You Need Standalone
- Tree care, pool construction, cannabis
- Revenue over $5M
- Multiple locations across Florida
- Heavy equipment fleets requiring scheduled inland marine
Talk to a Florida-licensed agent and get both quoted side-by-side.
Working around trees? Read our guide to tree trimmer insurance, or get a free $0 Down® indication in a couple of minutes.
Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free Indication$0 Down® liability insurance for landscapers and tree trimmers.
Designed to protect your reputation. Landscapers and tree trimmers in all 50 states. One short form.