Landscapers and lawn care professionals face unique risks every day — from property damage and equipment theft to injuries, debris accidents, and issues that arise while working on residential or commercial properties. Whether you’re mowing lawns, trimming trees, installing landscape designs, or maintaining large commercial grounds, insurance is essential to protect your business.
At Sharp Insurance & Financial Services, we help landscaping and lawn care businesses across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — get the coverage they need to protect their equipment, vehicles, employees, and operations.
Whether you’re a solo operator or running multiple crews, we build policies that fit the way you work.
Why Landscapers Need Insurance
Working in outdoor environments comes with real exposure to:
The right insurance helps protect your business from financial losses caused by accidents, injuries, or equipment issues.
Landscaping and lawn care contractors face unique risks — from operating heavy equipment to working around homes, vehicles, and outdoor hazards. Our tailored policies help protect your business from costly claims, equipment damage or theft, and job-site accidents.
Protects against claims of property damage or bodily injury — such as broken windows, damaged siding, flying debris injuries, or accidents that occur while working on a customer’s property.
Covers service vans, trucks, and trailers used for transporting tools, equipment, and employees to customer locations.
Provides coverage for medical bills and lost wages if an employee is injured while lifting heavy equipment, operating mowers or trimmers, handling debris, or working on a job site.
Protects your office, warehouse, or shop — along with your inventory and parts — from fire, theft, vandalism, or storm damage.
Covers your mowers, trimmers, blowers, edgers, chainsaws, hand tools, and other landscaping equipment against theft, fire, or accidental damage — whether in transit or on a job site.
Adds extra protection beyond your existing liability limits, helping cover large or unexpected claims.
Helps you attract and retain skilled employees while protecting their well-being. We offer group health, dental, vision, and life insurance options for landscaping businesses of all sizes.
We’re here to help protect your business and your employees. At Sharp Insurance & Financial Services, we proudly serve Kentucky, Ohio, and West Virginia, offering expert local support and insurance solutions you can trust.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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