General Liability Insurance for Landscapers in Texas: A Quick Guide

As a landscaping or irrigation business owner in Texas, you work hard to keep your clients’ outdoor spaces looking their best. But accidents happen — and when they do, they can cost your business thousands without the right protection.

That’s where general liability insurance comes in.

What Is General Liability Insurance?

General liability insurance protects your business if you’re held responsible for causing bodily injury or property damage to someone else. It also covers certain legal costs if you’re sued.

For landscapers, this might include:

• A client trips over a hose or tool left in the yard and gets injured.
• A mower throws a rock that breaks a window.
• Irrigation work causes water damage to a property.

What It Covers

A standard general liability policy typically includes:

• Bodily injury — Medical expenses and legal costs if someone is hurt.
• Property damage — Repair or replacement costs for damaged property.
• Personal and advertising injury — Coverage for claims like libel, slander, or false advertising.

What It Doesn’t Cover

General liability insurance is a must-have, but it doesn’t cover everything. It typically won’t cover:

• Employee injuries (that’s workers’ comp)
• Damage to your own property or equipment
• Auto accidents involving company vehicles
• Professional mistakes or faulty work (professional liability may be needed)

Why Texas Landscapers Need It

Landscaping involves physical work, heavy equipment, and client property — all areas where something can go wrong. Even a minor accident can lead to:

• Medical bills
• Repair costs
• Lawsuits

Without general liability coverage, your business might have to pay these expenses out of pocket.

Texas-Specific Considerations

In the DFW area, you also face:

• High property values — meaning damage claims can be expensive.
• Busy neighborhoods — more foot traffic means more liability risk.
• Extreme weather — storms and flooding can increase property damage claims.

Working with a local insurance partner ensures your coverage addresses these unique regional risks.

How McKnight Insurance Can Help

At McKnight Insurance, we specialize in building tailored policies for landscaping and irrigation companies. We:

• Review your operations to identify coverage gaps
• Match you with carriers who understand your industry
• Bundle coverage with commercial auto, tools & equipment, and workers’ comp for complete protection

Don’t Leave Your Business Exposed

General liability insurance isn’t just another box to check — it’s your first line of defense against costly accidents and claims.

Need guidance? Contact McKnight Insurance to speak with a local agent and protect your landscaping or irrigation business from unexpected liability.