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Iowa Landscaping Insurance

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Protect Your Business with Iowa Landscaping Insurance

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As an Iowa landscaper, you know that transforming outdoor spaces into beautiful environments takes incredible skill, hard work, and an eye for detail. However, your work comes with significant risks that could jeopardize everything you’ve built.

That’s why having the right landscaping contractor insurance is crucial for your peace of mind and long-term success.

Comprehensive business insurance covers as a a safeguard against these threats, allowing you to pursue your passion with confidence.

The only way to get a comprehensive landscaping insurance quote in Iowa is to sit down with an experienced agent. 

The Allen Thomas Group is a trusted insurance partner, providing ongoing support for everything from risk management and safety guidance to quick and fair claims resolution if an incident does occur.

It all begins with getting a quote!

Click on the link below to ask for a quote.

Calculating the Insurance Cost for Your Lawn Care Business in Iowa

While the insurance cost of landscaping companies can range from $1,000 to $10,000 annually, your total premium amount depends on several variables, such as:

  • Business size and payroll
  • The specific landscaping services you offer 
  • Number of employees
  • Coverages selected and limits of liability
  • Claims history and experience rating
  • Location and geographical risks

Table of Contents

Why is Landscaping Insurance Essential for Your Iowa Business?

In Iowa, carrying certain types of insurance isn’t just smart business practice – it’s the law. The state mandates that any company with employees must provide workers’ compensation coverage. 

But ensuring you have adequate protection goes far beyond just checking a box. According to the Insurance Information Institute, the average cost of a liability claim exceeds $100,000.

Without general liability insurance, your business could face bankruptcy from a single costly lawsuit or third-party claim.

Additionally, many clients refuse to work with uninsured landscaping contractors to avoid liability risks.

Having proper insurance lets you pursue more jobs while giving your customers peace of mind about protecting their property.

Types of Lawn Care Insurance

affordable Landscaping Services Insurance Iowa

According to a study by the Society of Risk Management Consultants, 60% of businesses with fewer than 25 employees are forced to close within a year after a major insured loss or uninsured liability lawsuit.

The reality is that one unfortunate incident, including a slip and fall, injury or property damage caused during work operations, could financially cripple your operation.  If that workers decides to sue you, you could end up paying hefty legal fees.

General Liability Insurance 

Among the most vital coverages, general liability protects your business if you accidentally cause third-party bodily injury or property damage while performing your services.

If you end up damaging a client’s exterior sprinklers while trimming hedges on their property, you could be held liable for the negligence and damage caused.

That’s where a general liability policy comes in to cover the costs to repair or replace the sprinkler system.

Commercial general liability insurance also covers you against personal injury sustained by a customer due to your error or negligence at work on their property.

Most policies provide a general contractor at least $1 million in coverage limits per occurrence. Higher limits and additional excess liability insurance are available for increased protection.

Workers Compensation Insurance 

Iowa requires that any business with at least one employee needs to carry workers’ compensation insurance coverage.

This pays for an employee’s medical treatment, a portion of lost wages, and other expenses if Iowa workers suffer a work-related injury or illness.

For example, if a crew member falls off a ladder and gets injured due to the landscaping work, workers’ comp would cover their emergency room costs, follow-up care, physical therapy, and partially lost wages since they are unable to work during recovery.  

Additionally, having workers’ compensation insurance for your lawn care business can protect you from potential employee lawsuits over a workplace incident.

Commercial Auto Insurance

If an Iowa landscaping contractor uses vehicles for business purposes, you need commercial auto coverage. Vehicle coverage for a lawn care business is important to protect business owner’s automobiles involved in an accident,

A commercial auto policy in IA covers liability arising from an accident – including third-party bodily injuries and damage – while your owned or leased vehicles are being used for business operations.

It can also provide coverage for physical damages to your trucks, trailers, and other vehicles.

Additional coverages like hire/non-owned auto liability, uninsured motorist protection, and towing can be added to a commercial auto policy for landscapers in Iowa.

Every landscaping business owns costly specialized equipment like mowers, trimmers, blowers, tractors, and more.

What would happen if these essential tools and equipment were lost, stolen, or damaged in a covered event?

Commercial property insurance offers coverage for the value of your owned machinery and equipment as well as buildings, landscaping materials, and other business property.

You can choose between the replacement cost and the actual cash value coverage.

Additionally, property policies often include coverage for lost business income and operational expenses if you face a temporary shutdown due to an insured property loss.

This financial safety net allows you to focus on recovery instead of stressing over revenue gaps.    

Property insurance can help protect your investments in the case of fire, vandalism, certain weather events, and other unexpected perils.

Professional liability insurance

Small landscaping companies in Iowa don’t need “professional liability” insurance, but general liability is crucial. This covers things like accidental property damage or injuries on the job, protecting against common landscaping risks.

  • Professional Liability insurance helps cover negligence causing financial loss to clients
  • General Liability insurance can cover broader incidents 

Excess liability insurance

Similar concept to a commercial umbrella policy, excess liability increases your total available liability limits.

Both policies act as an extra financial safeguard for major claims and lawsuits related to bodily injuries, extensive property damage, and other covered liabilities.

The Allen Thomas Group can evaluate your existing policies and operations to determine if umbrella or excess liability coverage makes sense for your landscaping company’s added security and peace of mind.

Let us help you find the right coverage for your lawn care business. 

How to Maximize Contractor Insurance in Iowa Benefits for Your Landscaping Business?

Beyond simply having the right coverages in place, there are several proactive steps you can take to control costs and maximize the value of your insurance program, including:

Implementing strict workplace safety programs

Providing regular employee training and enforcing safety protocols reduces on-the-job injuries, property damage incidents, and related claims.

Maintaining detailed records

 Meticulous documentation demonstrates your commitment to safety and risk management, potentially lowering your insurance premiums over time. 

Working with a qualified insurance agent

Our experienced agents understand the risks and challenges unique to the landscaping industry.

We take a proactive role in helping you customize protection while managing claims and compliance efficiently.

Let us quote multiple insurance companies that focus in insurance to find the right set of coverage for your lawn care business.

Minimizing Financial Loss with the Right Insurance for Your Iowa Business

Iowa Contractors Insurance quote

The fact is that without a comprehensive insurance lawn care insurance policy, your Iowa landscaping business is extremely vulnerable to financial devastation from even a single accident or lawsuit. 

A business in Iowa needs a complete insurance package as a safeguard for their hard-earned income and assets from:

  • Expensive third-party bodily injury and property damage claims
  • Repair/replacement costs for damaged equipment and vehicles  
  • Lost revenues during shutdowns for covered property losses
  • Steep medical bills and lost wages if employees are hurt on the job
  • Potential closure after draining your business funds in a catastrophic uninsured event 

Utilizing Insurance to Safeguard Your Iowa Business Assets

Your company’s trucks, trailers, tools, equipment, and other physical assets represent a sizeable investment key to generating revenues and profits. 

What if these essential pieces were damaged, stolen, or destroyed?

Could you afford to replace them out-of-pocket?

The right commercial property and inland marine insurance policies for your Iowa landscaping business protect your company assets from a variety of unexpected events like:

  • Fire, explosions, and smoke damage
  • Weather events like wind, hail, lightning strikes
  • Theft, vandalism, and other crimes  
  • Collisions and accidents on job sites

With the proper coverage, you can repair or replace damaged tools, equipment, vehicles, and more at no additional cost beyond your policy deductible. This allows you to stay up and running instead of grinding your operations to a halt.

Tailored Insurance Solutions Built For Your Iowa Landscaping Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right landscaping business insurance can be and how it can be difficult to get a certificate of insurance quickly.

Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

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Get the Right Contractor Business Insurance Policy for Landscapers in Iowa from The Allen Thomas Group 

With over 20 years of experience insuring lawn care companies, tree services, landscape designers, and other contractors in Iowa, The Allen Thomas Group understands the risks inherent in your green industry operations.

Our agency specializes in providing customized insurance solutions crafted to address the unique challenges faced by Iowa’s landscaping professionals.

We take a proactive, consultative approach – carefully evaluating your specific situation to build a comprehensive policy portfolio that leaves no gaps in coverage.

We leverage our strong relationships with nationally recognized insurance carriers to land you the strongest available protection at the most affordable rates possible.

The Allen Thomas Group understands that affordability is a top concern. That’s why we provide free quotes from our trusted network of top-rated insurance companies so you can compare rates and coverage options.

We’ll also help identify ways to qualify for discounts and lower your costs.

We can assess your unique operations, exposures, and insurance needs to help you find the best insurance for your Iowa business at a competitive price.

What’s more, you can get a certificate of insurance quickly too for your Iowa contractors insurance coverage. 

Understanding Policies In More Detail and Frequently Asked Questions

Get More Insights On Making The Right Insurance Decision For Your Company

Iowa law mandates minimum liability coverage for landscapers: $20,000 per person injury/death, $40,000 per accident total, and $15,000 property damage per accident.

Iowa Cities We Serve






Cedar Falls

Cedar Rapids



Council Bluffs


Des Moines


Fort Dodge

Iowa City




Mason City


North Liberty


Sioux City