Running a landscaping or lawn care business comes with unique risks—property damage, customer injuries, equipment theft, and vehicle accidents. That’s why most landscaping professionals carry business insurance to protect their company, employees, and equipment.

But one of the most common questions landscapers ask is:

How much does landscaping insurance actually cost?

The answer depends on the size of your business, the services you offer, and the types of coverage you need. Below is a clear breakdown of typical costs and what affects your premium.

Quick Answer: Average Cost of Landscaping Insurance

Most small landscaping businesses pay:

• $40 – $100 per month for general liability insurance

• $500 – $1,100 per year for basic liability coverage

• $1,100 – $3,500 per year for a full landscaping insurance package

These estimates apply to small landscaping companies with standard coverage limits of $1M per occurrence and $2M aggregate.

Larger companies with multiple employees, vehicles, and higher-risk services can pay $3,500 to $5,000+ annually for comprehensive protection.

Average Cost by Type of Landscaping Insurance

Landscaping businesses usually combine several insurance policies to stay protected. Each coverage type has its own price range.

General Liability Insurance

This is the most essential coverage for landscapers because it protects against lawsuits involving property damage or injuries.

Typical cost:

• $40 – $60 per month for basic lawn care businesses

• $60 – $100 per month for full landscaping services

• $100 – $200+ per month for high-risk work like tree removal

General liability averages about $51 per month ($610 annually) across the landscaping industry.

Workers’ Compensation Insurance

If you employ workers, most states require workers’ compensation insurance.

Typical cost:

• $1,900 – $2,000 per year for small landscaping teams

The premium is calculated based on payroll, job risk, and claims history.

Tools and Equipment Insurance

Landscapers rely heavily on expensive tools such as mowers, trimmers, and blowers. Equipment coverage protects against theft, loss, or damage.

Typical cost:

• $15 – $45 per month

• $400 – $450 per year on average.

Commercial Auto Insurance

If you use trucks, trailers, or vans for work, commercial auto coverage is usually required.

Typical cost:

• $150 – $300+ per month

• $2,200 – $2,400 per year per vehicle depending on driving history and location.

Business Owner’s Policy (BOP)

Many landscaping companies bundle coverage into a Business Owner’s Policy, which combines liability and property insurance.

Typical cost:

• Around $90 – $100 per month

• About $1,100 per year on average.

Total Landscaping Insurance Cost by Business Size

Solo Landscaper (No Employees)

Typical coverage:

• General liability

• Equipment insurance

Estimated cost:

$500 – $1,000 per year

Small Landscaping Company (3–5 Employees)

Typical coverage:

• Liability insurance

• Workers’ compensation

• Equipment coverage

• Commercial auto

Estimated cost:

$2,000 – $3,500 per year

Larger Landscaping Business

Typical coverage:

• Liability + umbrella policy

• Multiple vehicles

• Workers’ comp for several employees

• High equipment values

Estimated cost:

$3,500 – $5,000+ per year.

Factors That Affect Landscaping Insurance Costs

Insurance companies evaluate several risk factors when calculating your premium.

Services Offered

Basic lawn care is cheaper to insure than higher-risk services like:

• tree removal

• hardscaping

• excavation

• pesticide application

Tree service businesses can pay significantly higher premiums due to accident risks.

Number of Employees

More employees increase workers’ compensation costs and liability exposure.

Equipment Value

Businesses with expensive commercial equipment require higher coverage limits.

Claims History

Companies with prior insurance claims usually pay higher premiums.

Business Location

Insurance costs vary depending on state regulations, weather risks, and local claim trends.

How Landscapers Can Reduce Insurance Costs

Insurance doesn’t have to be expensive. Many landscaping businesses lower premiums with simple strategies.

Bundle Policies

Combining liability and property coverage into a Business Owner’s Policy often reduces total premiums.

Increase Deductibles

Higher deductibles typically lower monthly payments.

Implement Safety Programs

Proper training and equipment maintenance reduce claims and insurance costs.

Compare Multiple Carriers

Rates vary widely between insurers, so comparing quotes is one of the easiest ways to save.

How Much Coverage Do Landscapers Need?

Most landscaping companies choose these coverage limits:

• $1 million per occurrence

• $2 million aggregate liability

These limits are usually sufficient to meet client contract requirements and protect against most lawsuits.

However, companies working on large commercial projects may require higher limits or umbrella insurance.

Is Landscaping Insurance Worth It?

Yes. Even a single accident can cost far more than a yearly premium.

Common claims landscapers face include:

• customer injuries on job sites

• property damage from equipment

• vehicle accidents

• stolen tools or machinery

With landscaping insurance costing as little as $40 per month, it’s one of the most affordable ways to protect your business from major financial losses.

Final Thoughts

The average cost of landscaping insurance depends on the size and risk level of your business. Most small landscapers pay between $500 and $1,100 per year for liability coverage, while full insurance packages typically range from $1,100 to $3,500 annually.

For growing landscaping companies, having the right insurance isn’t just protection—it’s often required to win contracts and work with commercial clients.

Get the Best Landscaping Insurance for Your Business

Are you facing potential liability or want to ensure your business is protected against claims for compensation for damages? Fill out the form below to get expert guidance and a tailored insurance solution from our network of carriers.

With 30 years of professional experience, we work with nearly 100 insurance companies to find the best price for the best protection.

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