Landscaping Companies need specific business insurance to protect against the unique risks of their industry. General liability for Landscaping Companies averages $900 per year. Here is exactly what coverage you need.
What Insurance Do Landscaping Companies Need
Landscaping businesses need general liability for property damage caused by mowers and equipment, commercial auto for trucks and trailers, and equipment coverage for expensive machinery.
Required coverage for Landscaping Companies:
- General Liability
- Commercial Auto
- Workers Compensation
Optional but strongly recommended:
- Equipment Coverage
- Environmental Liability
- Commercial Umbrella
How Much Does Landscaping Companies Insurance Cost
| Coverage Type | Typical Annual Cost | What It Covers |
|---|---|---|
| General Liability | $900/year | Third-party bodily injury and property damage claims |
| Business Owner's Policy | $1,800/year | GL plus commercial property bundled at a discount |
| Workers Compensation | $500–$5,000+ per employee | Employee injuries and occupational illness |
| Commercial Auto | $1,200–$3,600/year per vehicle | Company vehicles used for business purposes |
How to Get the Best Landscaping Companies Insurance Rate
- Compare quotes from at least 3 business insurance providers — rates vary significantly for landscaping companies.
- Bundle coverages into a Business Owner's Policy where applicable for 10–25% savings.
- Implement documented safety procedures and training — insurers reward businesses with strong safety records.
- Maintain a clean claims history — even one significant claim can increase premiums 30–50% at renewal.
- Work with an independent insurance agent who specializes in landscaping companies since they access markets that specialize in your trade.
- Review and update coverage annually — over-insurance and under-insurance both cost you money.
Industry Tip
Get certificates of insurance from all subcontractors and require them to add you as an additional insured on their policy. Subcontractors without proper insurance can create uninsured liability under your general liability policy.