Landscaping crews pull trailers loaded with mowers into tight residential streets every day. That makes the truck-and-trailer combination the core of a landscaper's insurance program — and if you plow snow in winter, your insurer needs to know.
Typical annual premium (planning range, not a quote)Roughly $1,500–$4,500/yr per truck; plow use and larger crews add costRun the cost estimator →
Key coverages for landscapers
- Commercial auto liability for trucks and the trailers they pull.
- Physical damage on trucks and scheduled trailers.
- Inland marine for mowers, blowers and equipment on the trailer.
- Snow-plow endorsement — many auto policies exclude damage to the plow or plowing operations unless added.
- Hired & non-owned auto for crew members' personal vehicles.
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Get quotesFrequently asked questions
Is my trailer covered by my truck's policy?
Liability usually extends to a trailer while it's attached, but damage to the trailer itself requires it to be scheduled for physical damage. Equipment on the trailer needs inland marine coverage.
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Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.