Does Commercial Property Cover Landscaping?

Sometimes, but usually only under limited terms. Standard forms may cap coverage for certain outdoor plants and exclude causes such as wind, disease, or drought. The standard building-and-personal-property form contains limited treatment for certain outdoor trees, shrubs, or plants, but that is not the same as insuring all landscaping against every cause. Coverage can be limited by per-item or aggregate caps and by causes such as wind, disease, or drought.

Review the form’s outdoor-property provisions and any landscaping endorsement. Check what counts as a covered plant, which causes qualify, whether debris removal is included, and the applicable limit and deductible. For valuable landscaping or nursery stock, ask whether a separate schedule or specialized coverage is available rather than assuming the building limit will reimburse replacement.