Landscaper insurance guide
What affects landscaper insurance cost
Landscaper insurance is priced on what you do, how big you are, and your history.
Factors
- Services: mowing, hardscape, tree work, chemical application, snow
- Revenue and number of crews
- Payroll by job class
- Vehicles and drivers
- Equipment values
- Commercial versus residential client mix
- Claims history
- Limits and deductibles
Comparing quotes
Check pesticide coverage, tree height limits, snow exclusions, completed operations, and whether equipment is replacement cost.
Frequently asked questions
Why no average prices?
Pricing depends on your services, payroll, and history, so averages would not reflect your quote.
Does tree work raise cost?
Yes. Tree trimming and removal are generally rated higher than lawn maintenance.
Can I save by bundling?
Package policies for landscapers can combine general liability and equipment at lower cost.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research