Landscaping & Lawn Care Insurance
Coverage recommendations, carrier options, and cost estimates for insuring landscaping & lawn care businesses. Built for independent agents quoting this class.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Landscaping & Lawn Care businesses, key exposures include property damage to client landscaping. Common claims include property damage to client sprinkler system or structures. Agent note: Tree work dramatically increases GL premium — many carriers exclude it or add surcharges
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
essentialMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Landscaping & Lawn Care businesses, key exposures include employee injury from tools/equipment. Common claims include employee injury from mower/trimmer. Agent note: Seasonal hiring creates workers comp audit exposure — advise clients to track payroll carefully
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Commercial Auto
recommendedLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. Agent note: Commercial auto is critical — most claims involve trucks and trailers
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Inland Marine
recommendedProperty in transit, property at temporary locations, mobile equipment, tools, and specialized movable property not adequately covered by standard commercial property policies. For Landscaping & Lawn Care businesses, key exposures include high equipment theft risk. Common claims include property damage to client sprinkler system or structures. Agent note: Inland marine covers equipment on trucks and job sites — not covered by standard property
Based on scheduled equipment/property values. Ranges from $25K for small tool floaters to $1M+ for heavy equipment
$300 - $1,500/year for tool floaters; $1,500 - $10,000+ for heavy equipment schedules
BOP
situationalBundles general liability, commercial property, and business income/extra expense into one policy. For Landscaping & Lawn Care businesses, key exposures include property damage to client landscaping. Common claims include property damage to client sprinkler system or structures.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- High equipment theft risk
- Property damage to client landscaping
- Employee injury from tools/equipment
- Seasonal workforce fluctuations
- Tree work adds significant liability
Carriers That Write Landscaping & Lawn Care
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $200K - $3M revenue
Key Pricing Factors
- Annual revenue ($200K - $3M is typical for this class)
- Employee count (5-30 is typical)
- Payroll
- Tree work performed (yes/no)
- Equipment values
- Number of vehicles
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our landscaping & lawn care insurance cost page.
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