Does Commercial Property Cover Landscaping?
Usually not automatically at full value; trees, shrubs, lawns, and outdoor plants may be excluded or covered only under narrow limits.
Commercial property forms often distinguish a building and business personal property from outdoor landscaping. 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.
Related Coverage
Sources
- Commercial Insurance Guide. California Department of Insurance; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine; Builder’s Risk; What Is a Business Owners Policy. Accessed 2026-09-25.
- Commercial Property and Business Income Coverage Forms in SES sample policy. Insurance Services Office, Inc.; sample hosted by SES Insurance; CP 00 10 10 12, printed pp.1–16 / PDF pp.7–22: A.1 Covered Property, A.2 Property Not Covered, E.1.b Property of Others, E.1.e Outdoor Property; CP 00 30 10 12, printed pp.1–9 / PDF pp.22–30: Business Income definition, trigger, coinsurance and restoration period. Accessed 2026-09-25.
