Do Landscapers Need Commercial Auto Insurance?

If you drive a truck, trailer, or van for your landscaping business, your personal auto policy won't cover you. Here's why commercial auto matters.

Industry Spotlight | 4 min read | 2026-02-20

Your personal auto policy has a business-use exclusion. If you're hauling mowers, trailers, or crews to job sites, you need commercial auto — and here's what happens if you don't have it.

Most landscapers start with a personal truck and a trailer. The truck has personal auto insurance. The assumption is that if something happens on the way to a job, the personal policy covers it. That assumption is wrong.

In This Article

• The Personal Auto Trap
• What Commercial Auto Covers
• Trailers and Attached Equipment
• What It Costs
• The Bottom Line for Landscapers

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]