- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
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Get the best coverage for your landscaping business
With access to over 100 top-rated insurance companies, weâre uniquely positioned to help landscaping professionals manage their biggest risksâwhether you run a solo lawn care operation, a landscaping crew, or a tree service business. Our broad carrier network allows us to shop the market on your behalf, comparing prices and coverage options that protect your tools, vehicles, property, and your team.
Instead of settling for a one-size-fits-all policy, we tailor protection that aligns with the seasonality, jobsite exposure, and equipment needs of your businessâso you get exactly what you need at the most competitive rate.
Call 425-242-5252
Why Our Landscaping Clients Choose DOK Insurance:
- Access to 100+ carriers (top-rated)
- Specialized policies for landscapers & lawn care pros
- Equipment, liability, and workers comp coverage options
- Fast, affordable certificates for jobs & contracts
- Licensed advisors who understand your trade
The Coverages Every Landscaping Business Needs
Accidents happenâespecially when youâre using sharp tools, heavy machinery, and traveling from job to job. These coverages are designed to protect the business youâve worked hard to build.
General Liability
Covers property damage or injuries caused during mowing, edging, or while equipment is in use on client property.
Coverage Tip: Many contracts require proof of general liability before work begins. Most states require this coverage be a licensed landscaper.
Commercial Auto
Protects your trucks and trailers used to haul crews, mowers, and tools to and from job sites.
Includes liability and physical damageâespecially useful if your crew drives multiple vehicles.
Inland Marine / Equipment Coverage
Covers portable tools and gear like trimmers, blowers, mowers, and landscape trailersâwhether at a job site or in transit.
Tip: Standard property insurance often doesnât cover tools once they leave your shop.
Workers’ Compensation
Covers medical expenses and lost wages if an employee is injured on the jobâwhether itâs a back strain from lifting, heat exhaustion, or equipment-related injuries.
Required in most states if you have employeesâeven part-time or seasonal help.
Accidents happenâespecially when youâre using sharp tools, heavy machinery, and traveling from job to job. These coverages are designed to protect the business youâve worked hard to build.
Not sure which of these apply to your current policy? Let us review it with youâno pressure, just expert advice.
ð Could This Happen to Youâand Would You Be Covered?
Are you 100% sure your current policy would protect you in these cases?â
Real claim. Real consequences. Make sure your policy protects you from one of the most commonâand costlyârisks in landscaping.
Worker Injury on the Job
While lifting a heavy string trimmer, a crew member strained their lower back and was unable to return to work for several weeks. The claim included emergency care, ongoing physical therapy, and wage replacement benefits under the businessâs workersâ compensation policy.
According to industry data, over 12,900 landscaping workers are injured annually, often from lifting, heat exposure, or equipment use. Even a âsmallâ injury can result in thousands in costsâespecially if youâre not fully covered.
- Workers’ comp is legally required in most states
- Covers medical bills, lost wages, and rehab support
- Helps protect your business from lawsuits and fines
Coverage Tip:
Make sure your workers’ comp policy includes full wage replacement and employer liability. Being underinsured can leave you paying thousands out-of-pocket.
Thereâs No Substitute for Reading the Stinking Policy.
SnowâRemoval Scope Misfire
A landscaping contractor took on a municipal snow-removal contract but failed to fully update their policy endorsements. Although they added snow removal to the policy summary, an innocuous premises endorsement limited coverage to their own parking lot onlyâleaving them uninsured for operations on public roads. The mistake wasnât caught until a claim arose, and the contractor was left with both clean-up and legal billsâwith no coverage.
Read the full story: Rough Notes â Horseshoes and Hand Grenades
Coverage Tip:
Even small wording detailsâlike a location restriction or missing endorsementâcan leave major gaps in coverage. Work with a licensed agent who reviews your policy line by line to make sure your coverage actually matches what your business does.
ð Explore More Industries We Insure
Landscaping & Lawncare
Janitorial & Cleaning
Contractors & Trades
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Health and Fitness
Non-Profits
Camps and Campgrounds
Beauty Industries
Automotive
Sports
Restaurants & Hospitality
Dedicated Commercial Insurance Team
100% customer satisfaction guaranteed
Protect your wallet and your assets
Great Rates, Many Choices, Friendly Team
HOW DOK COMPARES TO OTHER AGENCIES
| ïŧŋFeature | DOK Insurance Agency | Other Agencies |
|---|---|---|
| Independent Agent | Yes | Often captive (only represent one carrier) |
| Licensed Business Insurance Experts | Yes | Varies by agency |
| Carrier Access | Access to top-rated national and specialty markets | Limited to one or few carriers |
| Ways to Contact | Phone, SMS, Email, Live Chat, In-Person, Online DOK Account | Phone or Email only |
| Online Quote Form | Yes â mobile-optimized and fast | Rarely available or outdated |
| Online Client Portal | Yes â 24/7 policy access and service requests | Rare or non-existent |
| Document Upload | Yes â secure upload through quote form | Often requires email or fax |
| Quote Turnaround Time | Same-day to 48 hours | Several days or longer |
| Coverage Expertise | Trucking, Non-Profits, Restaurants, Salons, Contractors | Generalized commercial service |
| Claims Assistance | Full-service claims support from start to resolution | Minimal support â refer to carrier |
| Extended Support Hours | Yes | ? |
| Community-Based | Locally trusted and actively involved | Often national or impersonal |
General Liability Insurance
Example: A visitor slips on a wet showroom floor, breaks an arm, and sues. The policy covers $180,000 in medical and legal costs.
Unexpected injuries can happen in your lobby, warehouse, or shop.
Professional Liability (Errors & Omissions)
Protects against claims of professional negligence or errors that cause client financial loss.
Example: A design consultantâs software recommendation fails, causing a $200,000 drop in client profits. E&O covers defense and settlement.
Even expert consulting carries riskâone mistake can cost six figures.
Employment Practices Liability Insurance (EPLI)
Covers lawsuits by employeesâfor wrongful termination, discrimination, harassment, and more.
Example: An employee claims gender discrimination. Even though the case is weak, defense fees and settlements total $90,000.
Employee claims can arise in any business, big or small.
Commercial Property Insurance
Protects buildings, equipment, and inventory from fire, weather, theft, or vandalism.
Example: A hailstorm rips through your showroom roof, causing $120,000 in repairs and lost inventory.
Even if you don't own a building, you can be out thousands after bad weather.
Commercial Auto Insurance (+ Hired & Non-Owned)
Covers owned vehicles and employeesâ personal cars used for business errands.
Example: An employee drives their personal car to drop off supplies, causes an accident, and incurs $250,000 in liabilityâpersonal auto wonât cover it.
If you or staff ever drive for businessâeven errandsâa personal policy isnât enough.
Workersâ Compensation Insurance
Covers job-related injuries or illnessesâon-site or at remote workspaces.
Example: A remote employee trips over a computer cord at their home office, injures a shoulderâmedical and wage replacement of $45,000.
Your business covers remote workersâwork injuries can happen anywhere.
Cyber Liability Insurance
Protects against data breaches, ransomware, network interruptions, and cyber extortion.
Example: A phishing scam breaches client dataâcosts for legal, notification, IT forensics, and credit monitoring total $320,000.
Small firms are high-value cyber targetsâeven without public profiles.
Product Liability Insurance
Covers harm caused by products your business sells, manufactures, or distributes.
Example: A reusable coffee mug leaks, damaging a customerâs laptopâ$4,500 claim covered by product liability.
Even small manufacturing errors can cost thousands in customer damages.
Umbrella / Excess Liability Insurance
Extends liability limits beyond primary policiesâprotecting against catastrophic claims.
Example: A serious customer injury leads to a $1.2 million lawsuit. Your underlying coverage is $1Mâumbrella covers the rest.
A big lawsuit shouldnât take down your entire businessâumbrella safeguards assets.
Inland Marine Insurance
Covers movable business equipment, tools, and goods during transit or while off-site.
Example: A technicianâs $35,000 diagnostic tools are stolen from a client jobsiteâfully covered by inland marine.
If you or staff transport tools or inventory, this coverage means youâre never out of pocket.
Request a Quote
Get business insurance â fast
Want to get started?
Use any of the options below to get in contact with us. Don’t have time to talk/chat? Fill out the quick Quote Application.
Optional Document Uploads for Faster Quotes
Current Insurance Declarations (Dec Pages)
Completed ACORD Applications
Loss Runs (Last 3â5 Years)
Vehicle Schedule (with VINs)
Property Details (roof age, occupancy, protective devices)
Certificate of Insurance (COI)
Business Overview or Description
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If you cannot finish the form, please include your email and/or phone number to allow us to follow up with you.
We've got answers
Frequently Asked Questions of Landscapers
1.Do I need insurance if Iâm a solo landscaper?
Yes. Even if you operate alone, you're still at risk for third-party property damage, injuries, or equipment loss. General liability and equipment coverage are typically essentialâeven for solo operations.
2.Does my insurance cover snow removal?
Only if it's specifically included and endorsed in your policy. Many general liability policies exclude snow/ice operations unless added. Be sure your policy includes proper wording for all your services.
3.What happens if my trailer and equipment are stolen?
Standard property insurance usually wonât cover equipment in transit or off-site. Youâll need inland marine coverage to protect tools and machinery stored in trailers or on job sites.
Your trailer would need to be scheduled on a commercial auto policy for the value to be covered in case of an accident or theft.
4.Can I get a certificate of insurance quickly?
Yes. Most carriers we work with allow instant certificate issuance once your policy is activeâideal for bids, contracts, or city permits.
5.How much does landscaping insurance cost?
Premiums vary based on location, payroll, number of employees, equipment value, and claims history. Most small landscapers pay between $500â$2,500 annually for basic coverage.
6.Is landscaping insurance required by law?
It depends on your state and contracts. Workersâ comp is legally required if you have employees. General liability may be required by city permits or client agreements.
7.Whatâs the difference between general liability and equipment insurance?
General liability covers damage or injury caused to others. Equipment insurance (often inland marine) covers physical loss or theft of your tools and machinery.
8.Can I insure part-time or seasonal landscapers?
Yes. Many policies allow you to list part-time or seasonal workers. Your premium will be based on total payroll and risk exposure.
9.Do I need commercial auto insurance for my truck?
Yes. Personal auto policies typically exclude business use. If you use your truck for work, a commercial auto policy is essential.
10.Can you help if my landscaping insurance was canceled
Absolutely. We specialize in hard-to-place and non-renewed risks. Weâll find a carrier that can help you stay compliant and covered.