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South Carolina Landscaping Insurance

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Understanding Lawn Care and Landscaping Insurance in South Carolina 

landscaper working on a new project in Charleston SC

Landscaping businesses in South Carolina face a unique set of risks every day. There is a huge risk of liabilities from potential property damage and bodily injuries.

Are you protected from the risk of liabilities and lawsuits that could easily jeopardize your business?

If not, it’s time to show a little more care and love to your business by getting the right insurance coverage. An appropriate insurance package can safeguard your hard-earned success.

At The Allen Thomas Group, you can find a range of customized insurance policies that cater to your business needs.

So get an insurance quote right away.

Click on the button below to get started!

What is the Cost of Landscaping Insurance in South Carolina?

Several factors can influence the lawn care insurance cost premiums in South Carolina. Business size and payroll, types of landscaping services, and claims history are the key factors affecting the business insurance cost.

The average cost of general liability insurance for landscapers in South Carolina ranges from $1,100 to $2,300 annually, while workers’ compensation insurance can cost from $900 to $1,600 per year.

Table of Contents

Why Landscaping Insurance is Essential for Your SC Lawn Care Business

Financial Protection from Lawsuits and Claims

Peace of Mind: According to a National Association of Landscape Professionals study, a staggering 78% of landscaping businesses reported experiencing an accident or injury in the past year.

Without proper insurance, such incidents can uproot your financial well-being and jeopardize the future of your business.

Financial Protection: The average lawsuit settlement for bodily injury can reach hundreds of thousands of dollars, according to the Insurance Information Institute. This sobering statistic highlights the paramount importance of having sufficient liability coverage to protect your assets.

Compliance: Many South Carolina municipalities require landscapers to hold general liability insurance as a prerequisite for obtaining a business license.

Neglecting this crucial requirement can result in costly fines and legal consequences.

What Types of Insurance Do South Carolina Landscapers Need?

lawn care insurance coverage from The Allen Thomas Group in South Carolina

General Liability Insurance

Commercial general liability insurance for contractors is the cornerstone of a comprehensive insurance program for a landscaping business.

As a landscaper, your work often involves operating heavy machinery, using potentially dangerous equipment, and working on clients’ properties. This inherent risk means that accidents can happen, resulting in bodily injury or property damage.

General liability insurance can help if someone (except your employees) gets injured due to the landscaping activity or causes damages to a client’s property.

Landscapers need to carry general liability insurance in South Carolina to cover medical expenses, legal fees, and settlement costs.

General liability policy shields your business from financial losses in the event your equipment on client’s property caused damage to property or if a third party is injured in the process.

Workers’ Compensation Insurance 

Workers compensation insurance helps protect you in the event of injuries sustained by employees at the workplace.

It is crucial to carry workers’ compensation insurance in South Carolina state out of different types of insurance, workers compensation insurance for your lawn care business covers medical expenses and lost wages for employees with work-related injuries.

Landscapers in South Carolina need landscaping insurance in the form of workers’ compensation coverage to comply with the state law and ensure their valued team members receive proper care and support in the event of an on-the-job accident.

Commercial Auto Insurance

This specialized business insurance policy covers accidents involving your work vehicles used for business purposes, ensuring financial protection for repairs, medical expenses, and legal costs.

Without it, you could be held personally liable for any damages or injuries resulting from a work-related accident.

Commercial auto insurance is important to ensure financial protection for accidents if a contractor uses vehicles for business purposes, including trucks, trailers, and other equipment used for transportation and hauling.

This lawn care insurance policy can cover repairs, medical expenses, and legal costs for small business owners, keeping your operations running smoothly.

Inland marine insurance

You need the right landscaping coverage to protect your valuable tools and equipment against theft or damage while in transit or storage. That’s when inland marine insurance comes in.

From expensive mowers and trimmers to power tools and machinery, this coverage for lawn care business is important so you can enjoy peace of mind, knowing your essential gear is safeguarded.

Commercial Property Insurance 

As a landscaper, your equipment is the lifeblood of your business. Mowers, trimmers, and other tools represent a significant investment, and their loss or damage can severely impact your operations.

That’s where commercial property insurance can help. By protecting your valuable equipment from theft, fire, or other perils, this insurance policy provides a guarantee of business continuity despite obstructions.

Besides, it is an important business insurance coverage for costly replacements or repairs.

Business Owners Policy (BOP)

A convenient option that combines common coverages like general liability and property insurance into a single policy, potentially saving you money. This is one comprehensive landscaping insurance that you cannot ignore.

Builders Risk Insurance

Though not a mandatory small business insurance product, this important landscaping insurance protects projects in progress from unforeseen events like fire, theft, or vandalism, ensuring your clients’ investments are secure.

Commercial Umbrella Insurance

Landscaping businesses in South Carolina face risks like liability claims and lawsuits exceeding their regular insurance coverage.

Commercial umbrella insurance for landscaping businesses acts as a financial safety net, kicking in after primary coverage limits are reached.

It covers the cost of bodily injury, property damage, and even legal defense costs associated with these lawsuits, providing valuable protection for your business assets and peace of mind at a relatively affordable cost.

How to Maximize Lawn Care Insurance Benefits for Your Small South Carolina Business?

Risk Management Strategies to Reduce Insurance Costs

 Implementing robust safety training programs for your employees and maintaining detailed equipment maintenance records can demonstrate to insurers that you’re proactive about minimizing risks, potentially lowering your premiums.

Working with an Insurance Agent to Get the Best Coverage

Navigating the insurance landscape can be complex, especially for small businesses.

An experienced agent can be an invaluable resource, helping you understand your coverage needs, comparing quotes from multiple providers, and ensuring you get the most competitive rates with optimal protection.

Minimizing Financial Loss with the Right Lawn Care Contractor Insurance Coverage

best landscaping business insurance in South Carolina

Don’t let unexpected accidents turn into financial disasters for your South Carolina landscaping business.

Having the right insurance coverage minimizes financial loss.

A comprehensive plan that includes General Liability, Workers’ Compensation (if you have employees), and Commercial Auto Insurance protects you from lawsuits, employee injuries, and accidents involving your work vehicles.

Consider additional coverage like Inland Marine for valuable equipment and Umbrella Insurance for broader financial security.

By choosing the right insurance plan, you can focus on keeping your lawn care business flourishing, not on potential financial ruin.

Tailored Insurance Solutions Built For Your South Carolina 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.

Get SC Landscaping Business Insurance Now

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That allows us to find the best rates for your business.

Get A Quote For South Carolina Landscaping Business Insurance From The Allen Thomas Group 

For over 20 years,The Allen Thomas Group has been a trusted independent insurance company for landscaping businesses throughout South Carolina.

Our industry expertise and client-centric approach have helped us become the number #1 choice for landscaping businesses in the state.

Let’s work closely with you to assess your insurance needs and create a personalized insurance plan that provides optimal protection at competitive rates. We will help you find the most inexpensive coverage that is the most comprehensive for your lawn care venture.

Being one of the premier insurance carriers in South Carolina, we go beyond just selling insurance. Our team can help you identify and mitigate risks, potentially lowering your insurance costs and creating a safer work environment for your employees.

We’re committed to building long-term relationships with our clients. You’ll have a dedicated agent who is always available to answer your questions and address your concerns, providing exceptional service every step of the way.

Get a Free Insurance Quote in South Carolina Today! Your certificate of insurance should be easy to access too.

Call our insurance agency at 440-826-3676.

Understanding Policies In More Detail and Frequently Asked Questions

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

Liability insurance, such as general liability and commercial auto policies, can protect your business from the financial fallout of lawsuits and settlements arising from such incidents.

Without adequate coverage, a single claim could potentially bankrupt your company.

South Carolina Areas We Serve














Boiling Springs





















Five Forks


Forest Acres


Fort Mill

Fountain Inn



Garden City


Goose Creek







Hilton Head Island


Homeland Park

India Hook


Isle of Palms

James Island


Lake City

Lake Murray of Richland

Lake Wylie


Laurel Bay



Little River




Moncks Corner

Mount Pleasant


Murrells Inlet

Myrtle Beach


North Augusta

North Charleston


North Myrtle Beach

Oak Grove




Port Royal


Red Bank

Red Hill

Rock Hill


Sans Souci


Seven Oaks




St. Andrews



Surfside Beach


Tega Cay

Travelers Rest


Valley Falls

Wade Hampton




West Columbia