Bloomington, IN
Bloomington, IN landscaping and lawn care insurance
County landscaping data, chemical licensing, and what insurers ask Bloomington crews. A quote is not a binder.
Landscaping is a sizable trade around Bloomington. Monroe County had 54 landscaping service establishments in 2023, 2.2% of the Indiana total.
Landscapers in Monroe County by the numbers
| Census 2023 | Monroe County | All of Indiana |
|---|---|---|
| Landscaping services establishments | 54 | 2,463 |
| Landscaping services employees | 363 | 17,467 |
| Annual payroll per landscaping employee | $43,408 | $47,982 |
| All services to buildings and dwellings | 110 | 4,356 |
| Nursery, garden center, and farm supply stores | 5 | 307 |
| Landscaping firms with fewer than 5 employees | 57% | 67% |
From the U.S. Census Bureau, County Business Patterns 2023: landscaping services (NAICS 561730), services to buildings and dwellings (NAICS 5617), nursery and garden centers (NAICS 444220), and all industries.
Small operations dominate the county's landscaping trade (57% have under five employees). As they add crews, workers' compensation and higher liability limits become necessary.
With 5 garden centers and nurseries in the county, installation crews have local sources for stock. Installation work brings completed operations exposure that maintenance-only crews avoid.
The Bloomington customer base
Renters occupy 65% of Bloomington's occupied homes. Rental-heavy areas shift work toward property managers and apartment communities, which typically require additional insured endorsements and certificates before a crew starts.
With 18% of its 38,617 workers home-based, Bloomington has more residents home during the workday than the state average (11%). Thrown-object and property damage claims often come from homeowners who are present.
Census American Community Survey 2020–2024 (housing units, structure type, year built, tenure, and means of transportation to work); 2024 city population estimates.
Chemical application rules for Bloomington crews
In Indiana, the Office of Indiana State Chemist licenses commercial pesticide applicators. Bloomington crews that spray herbicides should confirm both the license and insurance coverage, since pollution exclusions can apply.
BLS estimates 19,260 landscaping and groundskeeping workers in Indiana earning a median $38,070 a year (May 2025).
Where Bloomington fits
Landscapers around Indianapolis number 269 at the county level. Landscapers around Fort Wayne number 157 at the county level. On county landscaping firm count, Bloomington comes in 20th of the 25 Indiana cities we cover.
Bloomington landscaper quote prep
- Year, make, VIN, and drivers
- Services and revenue share
- Crew size and payroll
- Products used and applicator licenses
- Tree work height
- High-value machines with serial numbers
Start a Bloomington landscaper quote
Bloomington landscaper insurance FAQ
What insurance do Bloomington landscapers need?
Liability, auto, inland marine for equipment, and workers' comp are standard. Chemical work, tree work, and snow need specific coverage.
How big is the landscaping industry around Bloomington?
The Census Bureau counted 54 landscaping service establishments in Monroe County in 2023.
Do Bloomington HOAs require certificates?
Most ask for $1 million liability limits and additional insured endorsements. See general liability.
Indiana landscaping towns nearby
Landscaper insurance in Indiana · Coverage
Last updated October 15, 2026 · How we research