You work hard to make sure your customers’ properties are in tip-top shape, let our agency make sure that your insurance coverage is as manicured as your finished product is!

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ll For A Free Quote @  855-718-1061


landscaping insurance

Who Needs Landscaping Insurance?

Lawn care insurance is designed for businesses that maintain commercial or residential lawns or install shrubs, plants, trees, and grass. Policies typically cover a variety of services, including:

  • Lawn care services & maintenance: Mowing, weeding, and general gardening services to maintain already-completed landscapes
  • Tree pruning & removal: Dusting, spraying, trimming, branch and stump removal, and related tasks—may require licensed tree surgeons to address tall trees safely
  • Excavation & grading: Adjusting ground level to create drainage and prepare the land for landscaping
  • Hardscape design & implementation: Landscapes with rocks, boulders, and other non-plant concepts often require bigger equipment to relocate heavy items

Do you need Landscaping Insurance?

All 50 states require some sort of license or certification for lawn care and landscaping businesses—about 20 states want to see proof of insurance before issuing a license.

In some states, most landscape contractors have to get licensed while others only mandate licensure for specific operations—most commonly for using pesticides.

Landscapers and other various lawn care businesses are often exposed to risks that can lead to accidents and financial loss. Landscaping insurance can protect your business from the potentially devastating effects that can result from those risks.

If you own a landscaping company or are a landscaper, you have many of the same concerns in regards to liability that other businesses do. Protecting your business from risks is part of being a smart business owner, since even landscapers can run into problems and find themselves on the receiving end of a lawsuit or claim. 

Look at it this way. You’ve invested everything you have into your business. It takes years to grow a successful landscaping business and establish yourself as a reputable landscaping professional.

One accident can impact your bottom line and negate all the years of sweat equity you put into your business.

It may only take one event to significantly disrupt your business’s operations and cash flow.

The following questions should put it more in perspective for you:

  • Do you have other people working for you?
  • Do you or your employees drive to worksites with work equipment in the vehicle?
  • Do you or workers operate heavy machinery or equipment?
  • Is there even a remote possibility that your landscaping company’s work could damage something nearby or accidentally injure another person? (even a flying rock from a lawnmower could end up putting someone’s eye out).
  • Do you bid on landscaping work for other businesses? (most will want to be sure you’re adequately insured, and even most homeowners are savvy enough to inquire about liability insurance for your business).

Perhaps a better question would have been, “What can landscaping insurance do for me and my business?”

How Much Does Landscaping Insurance Cost?

Landscaping businesses pay a median premium of about $45 per month, or $530 per year, for general liability insurance. This policy provides protection for client injuries and property damage, along with advertising injuries

The kind of work you do, where you work, how many employees you have and other factors will impact your customized quote.

Get the coverage you need today.
ll For A Free Quote @  855-718-1061

What Type of Insurance Do Landscapers Need?

Most states require business insurance like general liability, commercial property and workers’ compensation coverage. Learn more about each one:
Landscaping businesses may also need other types of business insurance, like:
    • Professional Liability Insurance to help cover claims of negligence, misrepresentation and inaccurate advice
    • Inland Marine Coverage for help protecting specialized property, like solar energy equipment or cell phone towers
    • Umbrella Coverage, which gives you extra coverage to help pay for costs that exceed certain liability policy limits
    • Commercial Auto Insurance for help covering the cost of an auto accident if you or your employee is at fault
    • Herbicide and Pesticide Application Coverage to help pay for costs associated with the sudden or accidental release of chemicals

Landscaping Business Insurance Costs by Policy

Annual Premium
Coverage Limit
General Liability
$2,200 to $4,600
$1 million
Business Property
$500 to $1,000
Inland Marine
$100 to $550
$1 million
Commercial Vehicle
$100 to $550
Workers’ Compensation
$3,000 to $8,800
Commercial Umbrella
$800 to $6,000
$1 million

Typical lawn care insurance costs are based on these factors:

  • Location: Your city and state dramatically affect all insurance policy premiums. For example, businesses in California are more expensive to insure than businesses in Oregon but, within California, San Bernardino is less expensive than San Diego.
  • Payroll: Workers’ compensation coverage is directly related to payroll costs and increases based on the type of risks employees face and the amount they are paid.
  • Revenue receipts: Insurance carriers use annual receipts to determine the exposure for liability insurance purposes. The higher the company revenues are, the higher the premium costs.
  • Property value: Business tools and equipment value determine the overall amount of property coverage required. The more business property is worth, the higher the insurance premium will be.
  • Vehicle type: The year, make, and model of the truck or van used for your lawn care business directly impacts the cost. Different vehicles have different safety features and ratings.
  • Main landscape duties: Landscapers who excavate or move earth are a higher risk category than those who have a small garden and lawn care maintenance business.
  • Deductible: Higher deductibles reduce the annual premium but make the business responsible for more out-of-pocket expenses in a claim.

All these factors combined are part of the underwriting process, along with the business owner’s industry experience and claims history.

Regulating Agency and References

Insurance Information Institute (III)

This organization’s mission is to improve public understanding of insurance – what it is and how it works.
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