FAQ_category: (HIDDEN) Industry FAQs

Yes! With the right policies: 

• Tools & Equipment Coverage (Inland Marine) – Protects tools and machinery whether on-site, in storage, or in transit. 

• Commercial Property Insurance – Covers equipment kept at your business location. 

• Commercial Auto Insurance – Covers trucks, trailers, and other vehicles used in operations. 

On average, landscaping business owners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Landscapers face outdoor risks every day—equipment hazards, property damage, and worker injuries. Core protections include: 

• General Liability – Covers property damage (like breaking a client’s window with equipment) or third-party injuries. 

• Workers’ Compensation – Required in most states if you have employees; protects against injuries such as heat stress, slips, or cuts. 

• Commercial Auto Insurance – Essential for trucks or trailers used to haul crews, mowers, or other equipment. 

• Commercial Property or Inland Marine – Covers high-value equipment like mowers, trimmers, and blowers against theft or damage. 

• Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection. 

This depends, but in practice, the market sets the rule: 

• Some vendors or local authorities explicitly require insurance (often general or product liability) to operate or comply with event regulations. 

• Even where it’s not legally mandated, venue contracts and commissary spaces usually expect you to carry coverage and often add “additional insured” requirements.  

In short, insurance often won’t just protect you—it grants you access. 

Yes! If your policy includes the relevant add-ons: 

• Equipment Coverage (Inland Marine) – Covers stolen or damaged gear on the go.  

• Spoilage Coverage – A critical add-on if perishable items spoil—for instance, due to power loss.  

• Product Liability – Protects against claims related to spoiled or contaminated food.