Landscaping contractors on the road in Los Angeles
188 C-27 landscaping contractors are licensed in Los Angeles (CSLB, September 2026), and 63% operate as corporations or LLCs — entities whose vehicles are normally titled to the business and need commercial auto. Neighboring Los Angeles County markets: Long Beach (58), Sylmar (45), Pasadena (41).
Why a personal policy is not enough
Landscaping crews usually run trucks with open trailers. The trailer and the mowers or equipment on it need to be scheduled — the trailer on auto, the equipment on inland marine.
California's private passenger minimums are 30/60/15 (since January 1, 2025); most GCs require $1 million combined single limit on commercial auto.
Checklist
- Consider uninsured/underinsured motorist coverage
- Schedule every truck, van and trailer titled to the business
- Add hired and non-owned auto for rentals and employee cars
- Insure tools in the truck under inland marine
Get a quote
Asena Capital Insurance Services compares multiple markets for Los Angeles contractors and requests additional insured endorsements for you when a contract calls for them. Call (858) 925-9555 or request a quote — only your name, phone and email are required. CA License #6008596.
Frequently asked questions
Does my personal auto policy cover my work truck in Los Angeles?
Usually not if the truck is titled to the business or used mainly for work; personal policies commonly exclude business use.
Is tree trimming covered on a landscaping policy?
Often only up to a height limit, or not at all. If you trim or remove trees, tell us so the policy covers it.