Industries We Serve
Landscaping & Site Work Insurance in Colorado Springs
Commercial grounds maintenance, snow removal, excavation, and site prep contractors.
Commercial grounds maintenance, snow and ice removal, excavation, and site prep share one thing: heavy equipment moving on and around property you do not own.
We insure landscaping and site work contractors across Colorado Springs, including seasonal operations that swing between summer crews and winter plow routes.
Risks we see in landscaping & site work
The exposures that matter most in this class:
Snow and ice removal liability
Slip-and-fall claims against the plow contractor are common, and many service agreements shift responsibility onto you. Contract review before the season matters as much as the policy.
Underground utility strikes
Excavation and trenching create damage exposure to gas, fiber, and water lines. Locate documentation is your best defense.
Seasonal payroll swings
Work comp premium follows payroll, so seasonal staffing should be estimated realistically to avoid a painful audit either direction.
Mobile equipment and trailers
Skid steers, mowers, and trailers are stolen and damaged regularly, and equipment on a trailer is generally not covered by the auto policy.
Coverage
Coverages landscaping & site work usually need
Every program is built from the contracts you sign, but these are the lines this class most often carries.
General Liability
Third-party bodily injury, property damage, and completed-operations protection — the coverage most Colorado contracts require before you can start work.
Workers' Compensation
Colorado-compliant work comp placed with carriers that understand trade classifications and experience modification factors.
Commercial Auto
Service vans, work trucks, and fleets — including hired and non-owned exposure when employees drive their own vehicles.
Inland Marine, Tools & Equipment
Coverage for the equipment that moves — scheduled tools, leased machinery, and materials in transit or stored on the jobsite.
Umbrella & Excess Liability
Additional limits above your primary policies — often the difference between qualifying for a contract and losing the bid.
Business Owner's Policy
Property and liability bundled into one efficient policy for shops, offices, and smaller commercial operations.
What Colorado requires and what your contracts ask for
- Colorado law requires notification to the statewide utility notification center before excavation.
- Colorado employers with employees are generally required to carry workers' compensation coverage.
- Commercial property managers typically require certificates and additional insured status on snow and grounds contracts.
General information only, not legal advice. Requirements change and vary by contract, jurisdiction, and operation — confirm what applies to your business before relying on it.
Common questions
- Is snow removal covered under my general liability policy?
- Not always. Some carriers exclude or restrict snow and ice operations, and some price it separately. Confirm the operation is disclosed and covered before the first storm.
- Is my skid steer covered when it's on the trailer?
- Generally under an inland marine or contractor's equipment form, not the auto policy. The auto policy covers the truck and trailer; the equipment needs its own coverage.
- How is premium handled for seasonal work?
- Liability and work comp are typically auditable, based on actual payroll or receipts. Estimating close to reality avoids a large audit bill at year end.
Next step
Get a landscaping & site work insurance quote
Independent, commercial-only, and local to Colorado Springs. Tell us what you do and we'll go to the markets that write it.