Trailer and Equipment Insurance for Landscapers
Whether it’s a trailer full of riding mowers or hand tools in transit, trailer and equipment insurance covers theft and accidental damage, so you can keep working without missing a beat.
What Is Trailer and Equipment Insurance?
Trailer and equipment insurance, also known as inland marine insurance, covers business property that’s mobile, in transit, or stored away from your main business location. Unlike traditional property insurance, which typically only applies to assets kept at your office or shop, this policy moves with you.
For landscapers, that means you’re covered whether your tools are locked in a trailer at a job site, being driven across town, or stored overnight in a shed. This coverage helps you repair or replace vital gear after theft or accidental damage, without putting your cash flow at risk.
What Does It Cover?
Trailer and equipment insurance protects the tools and materials that keep your landscaping business running. Examples of insurable items may include:
- Utility trailers (must be detached to qualify for coverage)
- Lawn mowers (push, riding, zero-turn)
- Lawn feed / fertilizer spreaders
- Weed eaters/trimmers
- Leaf blowers
- Hedge trimmers
- Edgers
- Aerators
- Dethatchers
- Sprayers (for fertilizer or pesticide application)
- Seeders
Note: This policy is built for tools that move with you, not items permanently installed in a fixed building. Trailers attached to a vehicle are not covered under inland marine and would typically fall under an auto policy.
What Doesn’t It Cover?
While inland marine insurance is flexible, it doesn’t cover everything. Trailer and equipment insurance generally does not cover:
- Attached trailers
- Business vehicles (you’ll need commercial auto insurance for this)
- Heavy mobile equipment like tractors, loaders, skid steers, bulldozers, graders, scrapers, and power shovels
- Damages from intentional misuse or employee negligence
- Damages caused by natural disasters
- Product damages and defects before shipping
- Items transported by sea or by air
- Buildings, structures, or permanently installed property (you’ll need commercial property for this)
Tip: Pair Trailer and Equipment Insurance with general liability and commercial auto insurance for complete protection.
What Are the Limits?
Your coverage limit is the maximum amount your policy will pay for a covered loss. With Insurance Canopy, you can choose between $5,000, $10,000, or $25,000 in coverage limits. Each policy also includes a $500 deductible.
How it works: If your mower is stolen and valued at $4,000, you’ll pay the $500 deductible, and your policy can cover the rest, up to your policy limit. The higher your policy limit, the more protection you have.
What Can Be Covered With Each Limit?
The policy limit you choose determines the type and amount of equipment your insurance can cover. Solo landscapers with basic tools usually benefit from lower limits, while crews using commercial-grade machines or hauling multiple items often need higher limits.
The breakdown below shows what each coverage limit includes. Use it to compare options and choose the level of protection that best matches the value of your equipment.
| Coverage Limit | What It Can Cover | Estimated Total Value |
|---|---|---|
|
$5,000 Limit |
Push mower, weed eater, handheld blower, hedge trimmer, basic hand tools, small detached trailer |
~$4,500 – $5,000 |
|
$10,000 Limit |
Zero-turn mower, backpack blower, commercial-grade trimmer, dethatcher, upgraded hand tools, detached trailer |
~$9,000 – $10,000 |
|
$25,000 Limit |
Two zero-turn mowers, multiple trimmers and blowers, aerator, power washer, full tool set, large detached trailer |
~$23,000 – $25,000 |
Do Landscaping Businesses Need Trailer and Equipment Insurance?
Yes. You need trailer and equipment insurance if you:
- Rely on high-value, portable landscaping equipment
- Store tools in trailers or transport vehicles
- Move equipment between job sites regularly
- Operate in areas with high theft or vandalism risk
Landscaping Professions We Cover
Common Inland Marine Risks for Landscapers
Landscapers face unique risks that general business insurance may not fully address. Trailer and Equipment insurance is specifically built to protect against:
- Theft from job sites or vehicles: A trailer parked curbside or gear stored in a truck bed can be targeted by thieves
- Damage during loading, unloading, or transit: Equipment can fall off ramps, get jostled in traffic, or suffer impact while moving between sites
- Vandalism while stored overnight: Trailers left at job sites are sometimes broken into or tampered with
Real-World Examples
Equipment gets stolen. Trailers get damaged. It happens fast, and it can shut down your workday. With trailer and equipment insurance, you don’t have to absorb those costs or delays on your own.
These are real scenarios landscapers encounter every day, and trailer and equipment coverage helps address them directly.
Detached trailer stolen overnight
You leave your trailer unhitched at a job site overnight. By morning, it’s gone, along with $10,000 worth of tools. With coverage, you’re protected. Without it, you’re stuck replacing everything yourself.
Backpack blower stolen from a truck bed
During a quick stop at a gas station, someone snatches your $500 blower from the back of your truck. Trailer and equipment insurance covers theft, even if you’re not around when it happens.
Riding mower damaged during transport
While heading to a job, your mower tips inside the trailer and gets damaged. Trailer and equipment insurance for landscapers covers accidental damage during transport. General liability doesn’t.
How Much Does Trailer and Equipment Insurance Cost?
Insurance Canopy offers affordable trailer and equipment insurance add-ons starting as low as $155 per year. Your final cost can vary depending on several factors, including:
- Industry type
- Number and value of tools
- Claims history
- Desired coverage limits
This small investment can save you thousands in out-of-pocket repair or replacement costs.
| Limits of Insurance | Annual Cost | Deductible |
|---|---|---|
|
$5,000 |
$155 |
$500 |
|
$10,000 |
$258 |
$500 |
|
$25,000 |
$670 |
$500 |
How to Apply for Trailer and Equipment Insurance
To get trailer and equipment coverage, you need to have a landscaping insurance policy with Insurance Canopy first. This coverage is an add-on, not a standalone policy.
You can get it in two ways:
- Add it when buying landscaping insurance: When you apply for landscaping insurance, you’ll see an option to include trailer and equipment coverage. Just choose the limit you need and check out.
- Add it later from your dashboard: Already insured with Insurance Canopy? Log in to your customer dashboard and add trailer and equipment coverage anytime. It only takes a few clicks.
Once completed, your updated Certificate of Insurance (COI) will be ready to download right away.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
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February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
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Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
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Really went the extra mile to find the appropriate coverage for my business.
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Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
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FAQs About Trailer and Equipment Insurance
What kind of insurance do landscapers need?
Most landscapers benefit from a combination of policies: general liability (for third-party damage), trailer and equipment insurance (for tools and gear), workers compensation (for your employees), and commercial auto insurance (for vehicles used for work). Each one protects a different part of your business.
If my trailer is stolen from a job site, will inland marine insurance cover it?
Yes, as long as your detached trailer was properly secured and there’s documentation of the theft (like a police report), your policy can help cover replacement costs up to your limit.
Reminder: Only detached trailers are eligible for coverage under this policy. Attached trailers are not covered.
Does this policy cover damage from road accidents or weather events?
It may cover accidental damage caused during loading, unloading, or transit. However, damage from vehicle accidents typically falls under commercial auto insurance. Trailer and equipment insurance does not cover natural disasters like floods or earthquakes.
Is there a deductible I have to pay before my policy kicks in?
Yes. Insurance Canopy’s trailer and equipment insurance comes with a $500 deductible. You pay this amount first, and your policy helps cover the remaining repair or replacement costs, up to your chosen coverage limit.
Protect Your Tools, Protect Your Business!
Landscaping equipment isn’t cheap, and without it, your business can’t operate. Trailer and equipment insurance is an affordable way to protect what matters most, and it’s easy to get started.