Landscaper & Arborist Insurance: Protecting Your Turf
Because "I Didn’t Mean for That Branch to Hit the House" Isn’t a Legal Defense.
In the Pacific Northwest, everything grows—including your liability. Whether you’re sculpting the perfect Lynnwood lawn or taking down a 60-foot Douglas Fir in Edmonds, your business is one stray mower rock or one miscalculated limb drop away from a very expensive day.
At Hood Insurance Agency, we believe you should be focusing on the canopy, not your court costs. Our "Wolf Pack" approach means we’ve hunted down the specific risks of the green industry to make sure your business stays rooted and your assets stay protected.
We Cover the Roots, the Shoots, and the Suits
Standard policies often treat landscapers like they’re just "guys with mowers." We know you’re a professional managing complex machinery, chemicals, and gravity.
1. General Liability (The "Mower-Through-the-Window" Shield)
Mistakes happen. A rock flies out of a discharge chute, or a stump grinder decides to eat a buried fiber-optic cable. Our General Liability policies cover property damage and bodily injury so a small mistake doesn't prune your entire bank account.
2. Arborist Professional Liability (Errors & Omissions)
For arborists, it’s not just about the cut; it’s about the call. If you advise a client that a tree is safe and it falls six months later, you can be held liable for professional negligence. We offer specialized E&O for arborists because "I thought it looked sturdy" doesn't hold up in court.
3. Herbicide & Pesticide Application
Accidentally killed the neighbor’s prize-winning roses while trying to knock out some dandelions? Standard liability often excludes chemical overspray. We make sure your "limited pollution" coverage is actually active, so your drift doesn't lead to a rift.
4. Inland Marine (Because Tools Don't Have Legs)
Your chainsaws, blowers, and zero-turns are high-value targets for the "lone wolves" of the night. We insure your equipment whether it’s in the shop, on the trailer, or active on the job site.
Washington Stop-Gap: Closing the L&I Hole
If you have employees in Washington, L&I covers the medical bills, but it leaves you wide open to lawsuits for "negligence." In a high-risk trade like tree care, Stop-Gap coverage isn’t an option—it’s a survival requirement. We make sure the "monopolistic" state system doesn't leave your pack exposed.
Why the Green Industry Joins Our Pack
Rapid-Fire COIs: You can’t get on a commercial job site without a certificate. We turn around COI requests faster than a Stihl starts on a cold morning.
Specific Endorsements: From "Blanket Additional Insured" to "Primary and Non-Contributory," we speak the language your commercial clients require.
Local Vigilance: We’re in Lynnwood. We know the local landscape (literally and legally).
Comprehensive Commercial Auto Insurance for Fleets
From pickup trucks to specialized utility vehicles, your business relies on transportation. Our commercial insurance policies cover accidents and damage to the vehicles themselves, ensuring your fleet stays operational. This auto coverage is distinct from personal auto policies and is required for most business operations. We can cover everything from a single vehicle to a large fleet, ensuring continuity of service.
Don’t Get Out on a Limb Without a Safety Line
Whether you’re a "Mow, Blow, and Go" operator or a specialized Tree Surgeon, the Hood Insurance Pack has your back. Let’s audit your current policy and make sure you’re not paying for "grass" coverage when you’re doing "timber" work.