Florida Landscaping Liability Insurance: What It Actually Covers

General liability is the most-quoted, least-understood policy in the landscape industry. Here's what's actually inside the contract.

Coverage A — Bodily Injury & Property Damage

Pays third parties when your work causes physical harm or damages tangible property. For landscapers this is the big one: cracked windshields, broken irrigation, damaged sod from chemical drift, customer trips over edging.

Standard limits: $1M per occurrence / $2M aggregate.

Coverage B — Personal & Advertising Injury

Pays for libel, slander, copyright infringement in ads, and wrongful eviction. Rarely triggered for landscapers but it's there.

Coverage C — Medical Payments

A small "goodwill" coverage ($5K–$15K) that pays a third party's medical bills without requiring them to sue. Useful when a homeowner trips over your hose — pay the ER bill, avoid a lawsuit.

What Florida Landscapers Always Need Added

• Additional insured endorsement for HOAs and commercial clients — see our deep dive at /additional-insured-endorsement
• Primary & non-contributory wording — required by most commercial property managers
• Waiver of subrogation — required by most general contractors when you sub
• Pesticide/herbicide applicator coverage — excluded by default on most GL forms (CG 22 64)
• Damage to underground utilities — sublimit often $25K, raise to $100K

Common Exclusions That Burn Contractors

• Care, custody & control — damage to property in your possession (a homeowner's car on the driveway you're working on)
• Professional liability — design errors are excluded; you need a separate E&O policy if you do landscape design
• Pollution — fertilizer runoff into a pond is excluded without a CGL extension
• Work performed by subcontractors — many policies exclude or sub-limit subbed work; disclose it
• Tree work over 12 feet — excluded unless specifically endorsed

What It Costs in Florida

See the full landscaper and tree trimmer insurance cost guide for what drives your rate.

Before You Sign

Ask your agent for the complete policy form, not just the declarations page, and read the exclusions closely.

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