What insurance should a landscape contractor have?

At minimum, a landscape contractor working in Utah should carry two forms of insurance: general liability and workers’ compensation. General liability covers property damage and accidents that could occur during the project, like a broken fence or irrigation line. Workers’ compensation covers injuries to crew members on your property, protecting you from being held liable. For larger projects, ask whether they also carry automobile liability (for company trucks and equipment) and umbrella coverage for higher limits. When you request proof, don’t settle for a photocopy — ask their insurance provider to send a certificate directly to you. In Salt Lake and Davis Counties, reputable contractors are accustomed to this request and should comply without hesitation. If a company resists, that’s a red flag. Insurance is not just a box to check; it’s your protection against lawsuits and unexpected costs. Always verify coverage before signing a contract or allowing work to begin.