Commercial Insurance • Landscaping • Lawn Care • Light Hardscape
Landscaping & Lawn Care Insurance in Fayetteville, GA
Coverage guidance built for real crews — trucks, trailers, mowers, installs, and contract COIs. Whether you run weekly routes or do landscape upgrades (including light hardscape like pavers and retaining walls), we’ll help you structure insurance correctly so it holds up at audit and claim time.
Call 770-461-1355 Request a Quote No pressure. No obligation. We’ll tell you what looks solid and what needs fixing.
Who This Is For
- Landscaping maintenance + seasonal cleanups
- Weekly lawn care routes (mow/edge/blow)
- Mulch, planting, sod, and irrigation work
- Light hardscape: pavers, patios, retaining walls, grading
- Businesses needing COIs for HOAs, GCs, property managers
Why Policies Go Wrong
- Trailers and equipment not listed/scheduled correctly
- Workers’ comp class codes don’t match real duties
- Commercial auto misrated (radius, vehicle use, drivers)
- Subcontractor exposure not handled properly
- COI wording rejected (Additional Insured / WOS / P&NC)
Coverages We Review
- General Liability (operations + completed ops)
- Workers’ Compensation (crew payroll + audits)
- Commercial Auto (trucks, vans, driver eligibility)
- Trailers (owned trailers scheduled correctly)
- Tools & Equipment (jobsite + transit where applicable)
- Umbrella (higher limits for HOA/GC contracts)
- Certificates & Contract Requirements
We insure both “lawn care” and “lawncare” crews — same business, different spelling.
Common “Misses” We Fix
- Equipment theft exclusions (especially theft-from-vehicle)
- Hardscape exposure not described (pavers/walls/grading)
- New hires/seasonal helpers triggering comp audit bills
- Hired/non-owned auto gaps for helpers’ vehicles
- Policy looks “cheap” until a claim happens
Get a Quote (Fast)
Need a COI for an HOA or GC? Call 770-461-1355 and we’ll help get the wording right.
Tip: Include your renewal date, number of vehicles/trailers, and whether you do any hardscape (pavers/walls/grading).
Helpful info to include
- # trucks/vans and primary radius
- # trailers (and estimated value)
- Equipment list (mowers, blowers, skid/mini if applicable)
- Crew size + payroll estimate
- Do you subcontract any work?
- Do you do installs or hardscape (pavers/walls/grading)?
- Any COI wording requirements from HOAs/GCs
Local, plain-English help
We’ll compare options and explain what matters for your operation — not just price.
Quick Landscaping & Lawn Care FAQ
Do I need workers’ comp if I have helpers?
Usually yes if you have employees — and it’s important to use the right class codes to avoid audit surprises.
Are trailers automatically covered?
Not always. Many trailers need to be scheduled correctly so a loss doesn’t turn into a coverage argument.
Does hardscape change what coverage I need?
It can. Pavers, retaining walls, and grading can increase “completed operations” exposure and contract requirements, so we want it described accurately upfront.
Ready for a Second Opinion?
A quick conversation can help confirm your coverage still fits — and whether there are smarter options before renewal.
Prefer email? edwilliamsinsurance [at] msn [dot] com
Serving Fayette County Contractors
Fayetteville • Peachtree City • Senoia • Tyrone • Brooks • Newnan