Umbrella Coverage for Lanscapers That Covers the High-Stakes Stuff
Your liability doesn’t stop with basic limits. One major injury or jury verdict can wipe out your standard protection—and your savings.
Umbrella insurance gives you extra liability coverage on top of your existing policies so you don’t get blindsided when the stakes are high.
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WHY YOU MIGHT NEED UMBRELLA INSURANCE
Because “once-in-a-career” accidents actually happen
A basic general liability or commercial auto policy usually gives you $1 million in coverage. Sounds like plenty — until someone files a $2.5 million lawsuit… and you’re stuck covering the rest.
Umbrella insurance kicks in after your main policy limits are maxed out — giving you an extra $1 to $5 million (or more) in protection. It’s not expensive, and it’s built to protect your business when things go really wrong.
Real-World Examples:
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Crew member accidentally injures a homeowner with equipment
The injury results in a long hospital stay, physical therapy, and a personal injury lawsuit for $1.8M. -
Mower throws a rock through a windshield on the highway
Driver sues for head trauma and long-term disability. Verdict: $2.3M. -
Retaining wall failure on a large install project
Damages neighboring properties and the client’s pool — they sue for $1.2M in repairs and property devaluation.
WHAT DOES UMBRELLA INSURANCE COVER?
It’s Not a Standalone Policy — It’s a Safety Net
Umbrella insurance doesn’t replace your existing coverage — it stacks on top of your other liability policies to give you more room when things go sideways.
It extends coverage over:
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General Liability
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Commercial Auto
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Workers’ Comp Employers Liability (in some cases)
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Hired/Non-Owned Auto
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And even Professional Liability, if structured right
How It Works (Simple Version)
Let’s say you have:
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$1,000,000 General Liability limit
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And a $2,000,000 Umbrella policy
If you’re hit with a $2.5 million judgment, your GL covers the first $1M, and your Umbrella picks up the next $1.5M.
Without umbrella? You’re writing a personal check or liquidating your business. Oof.
What Does Umbrella Insurance Cost?
Most landscaping businesses can add $1–2 million in umbrella coverage for just a few hundred dollars a year. The more risk or exposure (like large crews, vehicle fleets, or big contracts), the higher the premium — but it’s still one of the most affordable ways to increase your protection.
How the Process Works
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We review your existing policies — GL, auto, etc.
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We shop umbrella options that fit those policies
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You choose your limit — typically $1M, $2M, $5M+
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We get it issued & layered in — all buttoned up and ready
Umbrella Insurance FAQ for Landscapers
Do I need umbrella if I already have a BOP or general liability?
If your projects involve risk — like employees, equipment, driving, or working on other people’s property — you should seriously consider it. Basic limits can disappear fast in big claims.
Can umbrella coverage extend over personal policies too?
Nope — this is purely for business coverage. If you want personal umbrella, we can help with that separately.
Is umbrella coverage required for large commercial contracts?
Often, yes. Some clients will require proof of $2M+ liability, and umbrella can be the cleanest way to meet that requirement.
What if I don’t have any claims history?
Perfect — that’s the best time to lock in umbrella while rates are low and options are wide open.
Big protection, small price tag.
Let’s build you an umbrella policy that matches the size of your projects — not just the size of your comfort zone.