Texas Landscaping Businesses: What Insurance Do You Really Need?

Running a landscaping or irrigation business in Texas is more than just keeping lawns green and flowerbeds blooming. Between managing crews, maintaining equipment, and keeping up with client demands, you’re also responsible for protecting your business from unexpected risks.

That’s where having the right insurance comes in.

Why Insurance Matters for Landscapers

From property damage to employee injuries, even one accident can lead to major expenses. The right insurance policies help:

• Protect your business finances
• Cover legal costs
• Replace or repair damaged equipment
• Keep operations running after a loss

Core Insurance Policies for Landscaping Businesses

1. General Liability Insurance

Covers bodily injury or property damage to others caused by your work. Example: A mower throws a rock through a client’s window.

2. Workers’ Compensation Insurance

Pays for medical care and lost wages if an employee gets hurt on the job. Even though Texas doesn’t always require it, it’s smart protection.

3. Commercial Auto Insurance

Protects your business-owned trucks and trailers against accidents, theft, and damage. Personal auto insurance won’t cover vehicles used for business purposes.

4. Tools & Equipment Coverage (Inland Marine)

Covers valuable gear like mowers, trimmers, and irrigation tools — even when they’re off-site.

5. Commercial Property Insurance

Covers buildings, storage sheds, and office spaces your business owns against fire, theft, or storms.

6. Umbrella Liability Insurance

Provides extra liability coverage beyond your other policies for large claims.

Additional Coverage to Consider

Depending on your services and client contracts, you may also need:

• Professional Liability — For claims related to design advice or faulty irrigation planning.
• Pollution Liability — For chemical or pesticide application risks.
• Business Interruption Insurance — Covers lost income if you can’t operate due to a covered loss.

Texas-Specific Risks

In the DFW area, landscaping businesses face:

• Severe weather — Hail, storms, and extreme heat can damage property and equipment.
• High traffic — More vehicle exposure means higher accident potential.
• Growing competition — Client contracts may require proof of multiple insurance types.

How McKnight Insurance Supports Texas Landscapers

At McKnight Insurance, we help medium-sized landscaping and irrigation companies:

• Identify the exact coverage needed for their operations
• Work with carriers that understand the service trades
• Bundle policies for convenience and comprehensive protection

Whether you’re running two crews or ten, we’ll help safeguard your people, equipment, and reputation.

Protect Your Business Before You Need To

The right insurance isn’t an expense — it’s an investment in your business’s stability and growth. One well-placed policy can save you from a financial disaster.

Need guidance? Contact McKnight Insurance to speak with a local agent about building the right insurance plan for your Texas landscaping or irrigation business.