Landscaping Business Insurance: Cost & Quotes From $8

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Updated: March 30, 2025 . 4 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

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When running a landscaping business, most entrepreneurs mainly focus on doing a good job and meeting their customers’ expectations. One important aspect they tend to neglect is ensuring that their business is insured.

Purchasing landscaping company insurance is a great way to safeguard your business against unforeseeable risks, liabilities, accidents, and even legal issues. An insured landscape company can avoid financial losses by investing in the right insurance coverage.

This article discusses further the types of insurance, the costs, and how to get quotes for a landscaping business.

Importance of Landscaping Business Insurance

Landscaping encompasses the use of heavy machinery, a variety of chemicals, and physical efforts making injuries and property damages more likely.  For these risks, landscaping insurance is essential for ensuring that your business is not put in financial jeopardy during unforeseen situations.

To illustrate, consider the scenario where a client walks on the equipment that you have placed or your staff inadvertently breaks a client’s item. In such cases general liability insurance comes into effect as it covers legal defenses and settlement costs.

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Insurance For Landscape Contractors

Insurance For Landscape Contractors provides an extensive range of coverage designed for the needs of the landscaping companies. Some of the offered services are as follows:

  • General Liability Insurance: covers claims due to bodily injury and property damage.
  • Commercial Auto Insurance: pertinent to businesses with work vehicles.
  • Workers’ Compensation Insurance: ensures employees are covered for injuries sustained whilst working.
  • Business Owner’s Policy: provides a combination of general liability and commercial property insurance at an economical price

 

Landscaping Liability Insurance

Landscaping businesses require liability insurance to cover them in case of claims regarding bodily injuries or property damage. This insurance helps avert severe financial losses to the business arising out of legal claims.

 For instance, if a workers’ team displaces a client’s property by accident, fixing or replacing the same is charged against liability insurance

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Landscaping General Liability Insurance

Landscaping general liability insurance is intended to provide a protection to your firm against third party claims. It takes care of legal system costs, payments, and even hospital bills in case someone is injured during the performance of your landscaping work, or if their property was damaged in the process.

On average, general liability insurance costs around $51 per month. The maximum limit on a policy is generally $1 million per loss and $2 million overall.

 

Liability Insurance for Landscape Gardeners

As much as it is required in construction and architecture, liability insurance is also important within the landscape gardener industry. It helps in cases where a client decides to sue for damages or injuries caused by the gardener’s work.

 If a landscape architect or a gardener For example, if you accidentally damage a client’s yard, liability insurance will cover the costs necessary to repair the damage.

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Landscaping Insurance Cost

Before Getting landscaping insurance. A lot of factors will influence the cost of landscaping insurance. If you’re looking for cheap landscaping insurance prices, here is a breakdown of the average monthly costs for different types of insurance

 

Insurance Type Average Monthly Cost
General Liability Insurance $51
Business Owner’s Policy (BOP) $94
Commercial Auto Insurance $204
Workers’ Compensation Insurance $169
Contractor’s Tools and Equipment Insurance $38
Cyber Insurance $145
License/Permit Bonds $9
Commercial Umbrella Insurance $88

 

Landscaping Business Insurance Cost

The annual averages for small landscaping business insurance for businesses considering acquiring a BOP policy is approximately $1,130. The amount heavily depends on factors such as the size of your business and the insurance policies you select.

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Obtaining Quotes for Landscaping Insurance

Consulting with an insurance professional firms such as TechInsurance can help you acquire policies that you would want to serve your needs.

Ensure that you properly consult with a professional and specialized insurance professional who will assist you in addressing specific medical coverage risks.

 

Conclusion

landscaping business insurance is necessary if you’re looking to run a protected and successful landscaping company.

Factors like whether you’re an entrepreneur of a small business or a larger enterprise can be mitigated by investing in the right insurance cover, ensuring your business is safe against potential risks while also reducing the chance of any financial losses.

Keeping in mind the required insurance, the type of coverage needed and the costs will allow an entrepreneur to make strategic choices ensuring the business is safe and continues to thrive.

 

 

 

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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