Written by Buckner Marketing
Meet the Expert: Troy Sibelius – Landscaping & Outdoor Services Insurance Specialist
Three Decades of Experience in Landscaping Risk Management
Troy Sibelius has spent over 30 years providing insurance solutions for landscaping and outdoor service companies of all sizes, from residential and commercial maintenance crews to large-scale commercial landscape construction specialists. With a degree in Landscape Architecture from Colorado State University and hands-on experience in landscaping, Troy knows firsthand the physical demands and risks crews face every day.
Troy is also a Fellow of the American Society of Landscape Architects (FASLA) and serves as an ex-officio board member of the Associated Landscape Contractors of Colorado, acting as a liaison between ALCC and ASLA Colorado. His combination of industry knowledge and insurance expertise allows him to provide practical, tailored risk management strategies for every client.
Landscaping Insurance Expertise
Troy specializes in designing insurance programs and risk management strategies for landscaping companies. His areas of focus include:
-Workers’ compensation and employee safety programs
-Contract review and risk transfer strategies
-Guidance on seasonal operations and service expansion
-Coverage for commercial construction and niche landscape projects
Navigating Unique Industry Risks
Landscaping companies face insurance challenges that are often underestimated. Seasonality drives much of the complexity. Revenue fluctuates throughout the year, affecting staffing, budgets, and services. Snow removal, irrigation installation, and hardscape or masonry projects introduce additional risks that require strong contracts and proper insurance coverage.
Other common exposures Troy sees include:
-Auto accidents, which are the most frequent and costly claims
-Employee injuries and workers’ compensation claims
-Plumbing and masonry liability
-Equipment theft and property damage
-Professional liability, pollution, and emerging cyber risks
Troy helps clients recognize these risks and implement strategies before they become costly problems.
Common Misconceptions
Many landscaping owners underestimate the industry’s exposure. Focusing solely on cost when selecting insurance can leave a company vulnerable to uncovered claims, operational downtime, and lost revenue. Troy ensures clients understand coverage, exclusions, and the true value of a properly structured program.
Seasonality and Business Growth
Seasonal changes and business expansion introduce evolving exposures. Adding services such as tree trimming, holiday lighting, or snow removal may require new coverage or carriers. When working with subcontractors, Troy emphasizes proper insurance, additional insured endorsements, and strong subcontract agreements to avoid liability gaps. A proactive insurance program grows with the company.
A Proactive, Long-Term Approach to Risk
Troy prioritizes comprehensive risk management practices, including:
-Employee and driver safety programs
-Collaboration with carrier loss control teams
-Telematics and camera technology to reduce claims
-Guidance on project limitations and high-risk installations
This approach protects employees and equipment while strengthening relationships with carriers and supporting long-term business continuity.
Staying Ahead of Industry Trends
Troy helps clients anticipate and navigate emerging trends in the landscaping industry. Key areas include telematics, environmental pressures such as drought or extreme weather, and automation tools like robotic mowers. Strong safety programs, strategic insurance planning, and forward-thinking risk management remain essential for sustainable growth.
Troy’s relationship-driven philosophy emphasizes transparency, education, and long-term partnerships, helping landscaping companies navigate risk, protect employees, and plan for future opportunities.
Connect with Troy
Whether your company is managing seasonal exposures, expanding services, or navigating complex liability, Troy brings the experience and insight needed to build a proactive insurance strategy. Connect with Troy to learn how a comprehensive, informed approach can protect your employees, safeguard equipment, and position your landscaping business for long-term success.