Kokomo, IN
Insurance for Kokomo, IN landscapers
County landscaping data, chemical licensing, and what insurers ask Kokomo crews. A quote is not a binder.
Landscaping is a sizable trade around Kokomo. Howard County had 28 landscaping service establishments in 2023, 1.1% of the Indiana total.
Landscaping firms near Kokomo
| Census 2023 | Howard County | All of Indiana |
|---|---|---|
| Landscaping services establishments | 28 | 2,463 |
| Landscaping services employees | 60 | 17,467 |
| Annual payroll per landscaping employee | $50,200 | $47,982 |
| All services to buildings and dwellings | 48 | 4,356 |
| Landscaping firms with fewer than 5 employees | 82% | 67% |
Census County Business Patterns (2023 data year).
Most local landscapers are small: 82% of Howard County's landscaping firms have fewer than five employees. For an owner-operator, the essentials are general liability, a commercial auto policy for the truck and trailer, and equipment coverage.
Kokomo yards and grounds
Half of Kokomo's homes were built before 1968. Mature neighborhoods with established trees mean more pruning and removal requests, which many landscaping policies limit.
Census data show 6% of Kokomo's employed residents work from home. Crews working near occupied homes should clear yards of debris before mowing and keep trailers out of driveways.
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 Kokomo crews
Landscapers applying weed or insect control for Kokomo clients generally need a commercial applicator license from the Office of Indiana State Chemist. Many general liability policies also need a pesticide endorsement. See our pesticide liability guide.
BLS estimates 19,260 landscaping and groundskeeping workers in Indiana earning a median $38,070 a year (May 2025).
Where Kokomo fits
Indianapolis's county (Marion County) has 269 landscaping firms. Allen County, which includes Fort Wayne, counts 157 landscaping services establishments. On county landscaping firm count, Kokomo comes in 24th of the 25 Indiana cities we cover.
Get ready for a Kokomo landscaping quote
- Products used and applicator licenses
- Crew size and payroll
- Three to five years of claims history
- High-value machines with serial numbers
- Mowing, installation, tree, chemical, snow: share of revenue for each
- HOA and property manager insurance requirements
Start a Kokomo landscaper quote
Common questions from Kokomo landscapers
Which policies do lawn care companies in Kokomo carry?
General liability, commercial auto, equipment coverage, and workers' compensation once you hire. See the Indiana page.
How many landscaping companies are in Howard County?
The Census Bureau counted 28 landscaping service establishments in Howard County in 2023.
What do Kokomo property managers require from landscapers?
Usually general liability with additional insured status, plus auto and workers' comp certificates. See groundskeeping coverage.
Indiana landscaping towns nearby
Landscaper insurance in Indiana · Coverage
Last updated October 15, 2026 · How we research