Landscaping Truck Insurance

Landscaping crews are on the road all day, pulling trailers loaded with mowers, blowers and trimmers from one property to the next. Between the trucks, trailers, equipment and crews, there are a lot of ways for things to go wrong. Pacific Southwest Insurance Services builds landscaping insurance packages that cover your trucks, trailers, equipment and job-site liability together.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

We write landscaping truck coverage for businesses of every size, from a single vehicle to fleets of 10 or more. New ventures are welcome. Our clients include:

• Lawn care and maintenance companies
• Landscape design and installation
• Tree trimming and removal
• Irrigation contractors
• Hardscape, pavers and masonry
• Commercial property maintenance
• Gardeners and small crews

Coverage Options

• Commercial auto liability: Covers your trucks and the trailers they tow.
• Physical damage: Collision and comprehensive for trucks and trailers.
• Equipment coverage: Protects mowers, blowers, trimmers and other gear against theft and damage, on the trailer or at a job site.
• General liability: Covers property damage and injuries on the job, like a rock thrown by a mower breaking a window.
• Hired and non-owned auto: Covers the business when crew members use their own vehicles.
• Workers’ compensation: Required in California when you have employees.

What Affects Your Premium

Every operation is different. Carriers typically look at:

• Number of trucks, trailers and drivers
• Equipment value
• Types of services (tree work costs more)
• Radius and routes
• Driver records
• Payroll and revenue
• Claims history

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

• Family-owned and serving California since 1965, now writing coverage nationwide
• Access to multiple commercial auto carriers, including markets for new businesses
• Fast certificates of insurance, additional insureds and filings
• One agency for your commercial auto, general liability, bonds and more
• A real person answers the phone and knows your account

Common Claims We See

• Trailer accidents: Loaded trailers can sway or come loose from the hitch.
• Equipment theft: Mowers and blowers are stolen from unlocked trailers.
• Flying debris: Rocks thrown by mowers and trimmers break windows and damage cars.
• Backing into client property: Gates, mailboxes, walls and plants are easy to hit in tight driveways.

Tips for Landscaping Companies

• Lock equipment to the trailer and park trailers in a secure area overnight.
• Carry general liability for property damage from mowing and trimming.
• Check your crew’s driving records before they drive company trucks.

Frequently Asked Questions

Is the equipment on my trailer covered by my auto policy?

Usually not. Mowers and equipment need their own coverage, typically an inland marine or contractor’s equipment policy. Theft of equipment trailers is common, so this coverage matters.

Can I bundle auto and general liability?

Yes, and it often saves money and simplifies certificates for your property management clients.

Do you need my crew members’ driver’s licenses?

We need information on anyone who drives your trucks so they can be listed and covered.

Is damage from a rock thrown by my mower covered?

That’s usually a general liability claim, not an auto claim. Bundling general liability with your auto keeps both covered.

Do I need workers’ compensation for seasonal or part-time crew?

Yes. In California, workers’ compensation is required for employees, including part-time and seasonal workers.

Other Vehicles We Insure

• Pickup Truck Insurance
• Cargo Van & Sprinter Van Insurance
• Box Truck Insurance
• Dump Truck Insurance
• Food Truck Insurance
• Pump Truck Insurance
• Cherry Picker, Bucket & Lift Truck Insurance
• Flatbed Truck Insurance
• Stake Bed Truck Insurance
• Commercial SUV Insurance
• Plumbing & HVAC Service Van Insurance

Don’t see your vehicle? We insure most commercial vehicles, from pickups to long-haul tractors. See all commercial auto coverage.

Get a Landscaping Truck Insurance Quote

Tell us about your vehicles, drivers and operations and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.