Do You Need E&O Insurance as a Landscaper
Not every landscaping business needs professional liability insurance — but if you're offering designs, irrigation layouts, or expert consultations, one bad recommendation could turn into a costly claim.
That’s where Errors & Omissions (E&O) coverage comes in.
It protects you when a client says your advice, design, or professional service caused financial loss — even if you did everything right.
What Does Professional Liability Cover?
-
Landscape design flaws – Like drainage plans that don’t drain, or layouts that destroy plant health
-
Irrigation system issues – Improper design that leads to overwatering, dry zones, or dead turf
-
Hardscape recommendations gone wrong – Retaining wall advice that leads to collapse or instability
-
Consultation and planning disputes – Claims based on your advice, not your labor
Who Actually Needs E&O Coverage?
-
Landscape designers
-
Irrigation system planners
-
Lawn care consultants
-
Anyone giving expert advice or site plans
If your work includes telling clients what to do (not just doing it), you should consider this.
Can It Be Added to a BOP?
Yes — in many cases, we can include professional liability coverage as an endorsement on your Business Owners Policy (BOP), or write it as a separate add-on if needed.
We’ll help you structure it based on how much of your work involves design or consulting.
Not Sure If You Need It?
Let’s talk through what you offer and where risk might be hiding. If you don’t need it, we’ll tell you.
If you do — we’ll make sure it’s done right.
Click Here To Talk to an Agent
FAQ: Professional Liability for Landscapers
What’s the difference between general liability and professional liability?
General liability covers physical damage or injuries. Professional liability covers bad advice, flawed designs, or consulting mistakes that cost someone money.
Do I need this if I don’t offer design work?
Probably not — but if you’re ever giving clients site plans, advice, or recommendations in writing, it’s worth a quick conversation.
Can I add this to my existing policy?
In many cases, yes. We can bundle it with your BOP or add it as a standalone if needed.
How much does it cost?
Usually less than general liability — and definitely less than a lawsuit. Pricing depends on the scope of services and revenue.