Hardscape & Paver Contractor Insurance in Florida
Why hardscape pulls you into construction class codes and how that changes your premium.
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 IndicationOnce your landscape work includes pavers, retaining walls, outdoor kitchens, BBQ islands, or fire features, you're a construction-classified contractor under Florida workers' comp law — meaning the 1-employee threshold applies.
Stack to Carry
- GL with products/completed-operations
- Construction-rated workers' comp
- Commercial auto + trailer
- Inland marine for plate compactors, saws, mixers
Cracks in pavers, settling, and water-intrusion claims can come back 3–5 years later. Make sure completed-ops stays in force.
Get hardscape contractor quotes from multi-line carriers.
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.