General Liability

• Mower-thrown debris damaging adjacent Maryland property or vehicles
• Client or third-party injuries on job sites - trips over irrigation trenches, hoses, or equipment
• Property damage during hardscaping, excavation, or planting
• Personal and advertising injury
• Additional Insured, Primary & Noncontributory, Waiver of Subrogation for municipal and commercial clients
• Snow & Ice endorsements available for winter operations

Maryland's urban sites increase the probability that debris, equipment, or runoff affects adjacent properties. Municipal contracts typically require $1M/$2M GL minimum with the municipality named as Additional Insured.

Contractors Pollution Liability (CPL) & Applicator Coverage

• Herbicide overspray or drift damaging a neighbor's plants, garden, or lawn
• Pesticide misapplication claims from residential or commercial clients
• Fertilizer or chemical runoff reaching storm drains or adjacent properties
• Defense costs for MD Department of Agriculture enforcement or third-party environmental claims
• Required for Maryland municipal park, school, and commercial grounds contracts

Standard GL contains a broad pollution exclusion that applies to herbicide and pesticide claims. In Maryland's urban environment, chemical application is a high-frequency claim type for landscapers.

Workers' Compensation

• Required by MD law for any landscaping business with employees
• Medical bills and lost wages for cuts, strains, heat illness, and equipment-related injuries
• Covers chemical exposure incidents during pesticide or fertilizer application
• Employers Liability protects against employee negligence suits
• Owner/officer exclusions available in some circumstances

Landscaping is one of Maryland's higher-injury trades. Accurate payroll classification and documented safety training help manage WC costs.

Commercial Auto

• Trucks and trailers transporting mowers, equipment, and materials across Maryland
• Liability for accidents on I-95, I-695, and city streets
• Hired & Non-Owned Auto when crew members use personal vehicles for supply runs
• Physical damage for owned fleet and trailers
• Trailer-specific coverage for enclosed or open equipment trailers

A truck-and-trailer rig navigating Maryland's busy streets carries above-average accident risk. Confirm your trailer is specifically scheduled on the auto policy.

Inland Marine (Tools & Equipment)

• Commercial mowers, trimmers, blowers, skid steers, and compactors
• Covers equipment at Maryland job sites, in transit, and in storage
• Theft from trailers and job sites - a frequent loss type for landscaping crews
• Scheduled or blanket coverage; includes rented or leased equipment

Landscaping equipment left on a trailer overnight or unattended at a job site is a common theft target. Inland Marine protects the equipment actually doing the work across the state.

Installation Floater

• Covers materials and plants you own until they're installed - pavers, stone, trees, shrubs, sod
• Protects staged materials in transit and at Maryland job sites before installation
• Ideal for multi-day hardscaping installs and planting projects
• Often paired with Inland Marine for a complete mobile property program

Materials staged at a Maryland job site overnight represent real value exposed to theft, damage, and weather before installation is complete.

Snow & Ice Operations Coverage

• Slip-and-fall claims at lots and sidewalks you plow or treat
• Snow and ice operations frequently excluded from standard GL without specific endorsements
• Schedule covered sites and vehicles for winter contracts
• Maryland municipal snow contracts require specific limits and Additional Insured language

Maryland's winters create consistent demand for commercial snow and ice removal. Confirm your GL specifically endorses snow and ice operations.

Commercial Umbrella & Bonds

• Umbrella: $1M-$10M+ excess liability above GL, Auto, and Employers Liability
• Required for Maryland park maintenance contracts and larger commercial bids
• License Bond: required for MD pesticide applicator licensing
• Performance & Payment Bonds: for public bids exceeding $100,000

Municipal park maintenance contracts in Maryland often specify $5M+ total liability. An umbrella is the most cost-effective way to reach those thresholds.

MD Pesticide Applicator Licensing

Any landscaping business applying pesticides, herbicides, or fertilizers commercially in Maryland must hold a Commercial Pesticide Applicator license from the MD Department of Agriculture. Individual applicators need their own certification; businesses need a commercial license. Proof of insurance is part of the licensing process.

Maryland Municipal Contracts

Grounds maintenance, snow removal, and park contracts with Maryland municipalities require certificates of insurance naming the client as Additional Insured, often with specific per-site aggregate limits and Primary & Noncontributory language. Snow and ice removal contracts typically have their own insurance exhibit with minimum GL limits.

MD Pesticide Reporting & Record-Keeping

Maryland requires commercial pesticide applicators to maintain application records and submit annual reports to the MD Department of Agriculture. Failure to report or maintain records can jeopardize your license and complicate an insurance claim if a chemical application complaint arises.

MD Worker Classification (ABC Test)

Many landscaping businesses rely on seasonal or day-labor crews. Maryland's strict ABC test means workers who follow your direction, use your equipment, and work primarily for you may be classified as employees for Workers' Compensation purposes regardless of how they're paid.