FAQ_category: (HIDDEN) Industry FAQs

Wedding planners coordinate vendors, venues, and guests, which means one mistake or accident could have big financial consequences. The most important coverages include: 

• General Liability – Protects against third-party injuries or property damage during events. 

• Professional Liability (E & O) – Covers claims tied to scheduling errors, missed details, or failure to deliver promised services. 

• Commercial Property Insurance – Protects office space, equipment, and supplies from fire, theft, or damage. 

• Workers’ Compensation – Required in most states if you employ staff to cover workplace injuries. 

• Business Owner’s Policy (BOP) – Combines property and liability coverage for added protection. 

It depends:  

• Workers’ compensation is legally required in nearly every state if you employ workers. 

• Some states and municipalities may also require proof of liability insurance to operate as a licensed landscaping business. 

• Even if not legally mandated, most commercial and residential clients expect landscapers to carry insurance before awarding contracts. 

• Having coverage demonstrates professionalism and positions you as a trusted, reliable service provider. 

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, Gilders 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.