Landscapers and hardscapers shape Colorado’s outdoor spaces, designing everything from lawns and gardens to patios, retaining walls, and irrigation systems. But working outdoors exposes contractors to significant risks—from equipment damage and weather delays to injuries and customer lawsuits.
Without the right insurance coverage, a single accident, damaged property, or employee injury could jeopardize your entire business. Here’s what Colorado landscapers and hardscapers need to know about staying protected.
The Biggest Risks for Landscapers & Hardscapers in Colorado
🏡 Property Damage Claims – A misplaced tree removal, overwatering, or grading error can cause structural damage to homes and buildings.
🚜 Equipment Theft & Damage – Lawn mowers, skid steers, and irrigation tools are prime targets for thieves or can be damaged in the field.
🛠 Employee Injuries & Heat-Related Illnesses – Landscapers work in high-risk outdoor environments, leading to heat exhaustion, falls, and tool-related injuries.
🌨 Weather-Related Delays & Damage – Sudden hail, windstorms, or wildfires can ruin landscaping projects and delay schedules.
💡 Real Case Study: A landscaper in Boulder was sued for $75,000 after an irrigation system malfunction flooded a homeowner’s basement. General liability insurance covered the damages.
Essential Insurance for Landscapers & Hardscapers
✔ General Liability Insurance – Covers injury claims, property damage, and lawsuits from landscaping work.
✔ Workers’ Compensation – Required in Colorado if you have employees.
✔ Equipment & Tool Insurance – Covers lawnmowers, bobcats, hedge trimmers, and irrigation tools from theft or damage.
✔ Commercial Auto Insurance – Covers work trucks and trailers hauling equipment.
✔ Pollution Liability Insurance – Protects against chemical spills, fertilizer runoff, or pesticide exposure claims.
💡 Did You Know? Many HOAs and commercial properties require landscapers to carry at least $500,000 in general liability insurance before hiring.
How to Reduce Insurance Costs for Landscapers
🔹 Store equipment securely to prevent theft.
🔹 Train employees on heat safety to lower workers’ comp claims.
🔹 Bundle multiple policies to save on general liability, workers’ comp, and auto insurance.
Final Thoughts
Landscaping might seem low-risk, but equipment damage, injuries, and property claims can be financially devastating. The right insurance keeps your business thriving in every season.
