Louisville Landscaping & Lawn Care Insurance
Trucks, trailers, mowers, crews — one program, one agent.

Landscaping looks simple from the curb, but the insurance exposures are anything but. You’ve got trucks and trailers on the road, crews operating powered equipment, chemicals being applied, and property owners who aren’t shy about calling a lawyer when a rock flies through a window or a sprinkler line gets severed. At Dick Watts Insurance, landscaping is one of our most active classes — and both Hanover and Progressive are eager to write it.

Coverages Every Louisville Landscaper Needs
General Liability (CGL): Covers bodily injury and property damage — including the classic ‘rock through the window’ claim when a mower throws debris.
Workers’ Compensation: Essential for any crew. Kentucky requires it, and landscape injuries — cuts, strains, heat illness — are common. We lead with WC and price it aggressively.
Commercial Auto: Trucks, trailers, and any vehicle used in the business. Trailer coverage is especially important — trailers get stolen constantly.
Tools & Equipment (Inland Marine): Mowers, blowers, trimmers, chainsaws, backpack sprayers — the value adds up fast. Scheduled or blanket coverage.
Contractors Installation Coverage: For hardscape and irrigation work — protects materials and plantings at the jobsite before they’re installed.
Herbicide & Pesticide Application Coverage: If you apply chemicals, you need this endorsement added. Many standard policies exclude it by default.

A Real Louisville Example
We recently wrote a landscaping company out of Middletown — $4,453 just for the GL with scheduled tools, contractors installation, and blanket tools coverage. Add work comp for their seasonal crew, commercial auto on three trucks and four trailers, and an umbrella — and we had a complete program that cost less than they expected, with better protection than they had before.
Why Louisville Landscapers Work With Us
We understand seasonal payroll — and how to structure work comp so you’re not paying for off-season months you don’t have
Trailer coverage done right — scheduled by VIN and replacement cost
Chemical application endorsements available where the carrier supports them
Same-day certificates for commercial accounts and property managers
40 years serving Kentucky — we know the commercial properties you’re bidding on

Frequently Asked Questions
Q: How much is landscaping insurance in Louisville?
A: A one-truck solo landscaper might run $700–$1,500 for GL alone. A mid-size crew operation typically runs $5,000–$15,000+ across all lines. Commercial-focused landscapers with chemical application and irrigation work run higher.
Q: Do you cover snow plowing?
A: Yes, but the carrier needs to know. Snow operations change the GL and commercial auto exposure significantly — tell us when we quote so we structure it correctly.
Q: What if my equipment is stolen out of a locked trailer?
A: That’s exactly what inland marine / tools coverage is for. We can schedule high-value items by serial number or write a blanket limit. Either way, a locked trailer in your driveway overnight is covered.
Ready to Talk?
Call Dick Watts Insurance for a free review. Tell us what equipment you run, what your crew looks like, and what commercial contracts you’re chasing — we’ll build a program that fits.