Landscaping & Lawn Care Insurance in New Jersey
Landscaping runs on fast-moving equipment near people, property, and traffic — mowers throwing debris, trucks and trailers on the road, and, for many crews, chemical applications that carry their own liability. Add seasonal payroll swings and it's a distinct class to insure.
Thrown debris and property damage
A mower flinging a rock through a window or into a parked car is the everyday landscaping claim, alongside damage to irrigation, hardscape, and underground lines. GL responds, and equipment coverage protects the machinery itself — which for a landscaping crew is a serious investment.
Chemicals and seasonality
If you apply fertilizers, herbicides, or pesticides, that adds a pollution-style exposure standard GL excludes without an applicator endorsement. And because landscaping payroll swings hard by season, getting workers' comp structured to your real payroll keeps you from over- or underpaying.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match landscaping & lawn care insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.