Gardener Insurance

What this coverage is intended to address

• ✓General liability that is intended to respond if a thrown rock or flying debris injures a passerby or breaks a window.
• ✓Property-damage protection generally intended to address harm to fences, irrigation heads, or ornamental plantings during routine work.
• ✓Completed-operations coverage intended to respond if a treatment or pruning job leads to damage that surfaces later.
• ✓Tools and equipment (inland marine), when scheduled, intended to help replace trimmers, blowers, and hand tools if stolen or damaged.

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• Imagine a string trimmer flings a stone that cracks a client's glass patio door; in the event of a covered claim, the general liability portion is intended to respond to the property-damage demand.
• Suppose a weed treatment you applied drifts onto a neighbor's prized roses and kills them — the property-damage coverage may help respond to the resulting claim, subject to policy terms.