Industry Coverage

Virginia Landscaping Vehicle Insurance

We cover landscaping trucks, the trailers behind them, and the mowers and equipment they haul, with coverage that flexes for Virginia's busy and off-season months.

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Landscaping Vehicle Insurance overview

Truck, Trailer, and Equipment Coverage

A landscaping policy starts with commercial auto liability and physical damage for the trucks your crews drive. Each trailer you pull should also be listed on the policy so it carries liability and, if you choose, physical damage coverage of its own.

The mowers, blowers, trimmers, and other equipment hauled on those trailers are protected separately under a tools and equipment (inland marine) add-on rather than the auto policy. Listing your trucks, trailers, and equipment correctly is what keeps a claim from falling through the cracks.

  • Commercial auto liability for landscaping trucks
  • Trailer liability and physical damage
  • Tools and equipment coverage for mowers and gear
  • Hired and non-owned auto for seasonal help

Built for Seasonal Landscaping Operations

Landscaping work in Virginia peaks in spring and summer and slows in winter, and many crews shift to leaf removal or snow plowing in the off-season. We build coverage that accounts for those changes, including added trucks and seasonal drivers.

If your crews plow snow in winter, let us know, because that work carries its own liability considerations we can address. We tailor the policy to the full range of services you offer across the year.

How to Get a Landscaping Vehicle Quote

Have your truck and trailer details, the approximate value of the equipment you haul, your driver information, and your service area ready.

Call (703) 551-2000 or request a quote online, and a licensed advisor will build a program covering your trucks, trailers, and equipment together.

FAQ

Landscaping Vehicle Insurance FAQs

Are trailers covered under landscaping vehicle insurance?
Trailers can be covered, but each trailer should be listed on the policy so it carries liability and, if you want it, physical damage coverage. The mowers, blowers, trimmers, and other equipment hauled on the trailer are covered separately under a tools and equipment (inland marine) add-on rather than the auto policy. Because landscaping is seasonal, we can also discuss adjusting coverage for off-season months when fewer trucks are on the road.
How much does commercial truck insurance cost in Virginia?
Premiums depend on your vehicle type and weight class, your radius of operation, the limits you carry, your loss history, and the driving records of everyone behind the wheel. A local contractor van running short routes around Fairfax will price very differently from a tri-axle dump truck hauling long-haul or a tow operator on call statewide. Because we are an independent agency, we compare options across multiple carriers to find the right fit rather than quoting a single rate. Call (703) 551-2000 and we can talk through the factors that apply to your operation.
Can I insure multiple trucks on one policy?
Yes. Once you operate two or more vehicles, a commercial fleet policy lets you cover them under a single program rather than juggling separate policies. Fleet policies simplify administration, can unlock multi-vehicle pricing, and make it easy to add or remove units as your operation changes. We write fleets of every size, from a pair of work trucks to mixed fleets of dump trucks, vans, and trailers.
What commercial vehicle insurance is required in Virginia?
Virginia requires liability coverage on every registered vehicle, and as of January 1, 2025 the state minimum is 50/100/25 ($50,000 bodily injury per person, $100,000 per accident, $25,000 property damage). Commercial operators almost always carry substantially higher limits, and motor carriers hauling for hire or operating in interstate commerce often need federal filings such as the MCS-90 endorsement and FMCSA authority. The right limits depend on your vehicle weight, cargo, and where you operate. Our licensed advisors can confirm exactly what your operation needs.
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