General liability is the base of a landscaping program and the coverage almost every client, property manager, and general contractor asks you to prove. It covers third-party injury and property damage from your work, a rock off the mower through a window, a trailer backing into a fence, a client tripping on a hose. Here is what it covers, what it does not, and the limits your contracts expect.
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General liability responds when your work injures someone or damages property that is not yours. A stone thrown by a mower cracks a client's window, a trailer scrapes a parked car, a passerby trips over your equipment, a retaining wall you built fails and damages a neighbor's property. It also covers completed-operations claims that surface after you have left the job. This is the coverage that keeps a single accident from coming out of your own pocket.
Three big things sit outside general liability, and landscapers get surprised by all of them. Injuries to your own crew go to workers compensation, not GL. Theft or damage to your own mowers, trailers, and tools goes to tools and equipment (inland marine). And chemical drift, overspray, or pollution from herbicides and pesticides is commonly excluded and needs a separate applicator endorsement. Knowing what GL does not do is how you avoid a denied claim.
Most commercial clients, HOAs, property managers, and general contractors require a certificate showing $1,000,000 per occurrence and $2,000,000 aggregate, and many also require you to add them as an additional insured and include a waiver of subrogation. Some larger contracts require higher limits or an umbrella on top. We read the requirement and confirm your policy and endorsements actually meet it before you sign.
We place landscaping general liability with carriers that understand the trade, at the limits your contracts require, and we make sure the certificate, additional insured, and waiver wording are correct and issued fast. We also flag the exclusions, employees, your own equipment, and chemical work, so you know exactly which other coverages you need to fill the gaps.
Limits, additional insured, waiver of subrogation, and the exclusions that bite. We check your policy against the jobs you bid.
Tell us about your landscaping operation and we will place general liability at the right limits and get your certificates handled.
General education, not a coverage determination. A licensed advisor confirms your policy.