Bend, OR
Insurance for Bend, OR landscapers
County landscaping data, chemical licensing, and what insurers ask Bend crews. A quote is not a binder.
Lawn, landscape, and grounds companies serving Bend (106,926 people) compete in a county with 148 landscaping firms, by the 2023 County Business Patterns count. Those firms employed 640 people.
Landscapers in Deschutes County by the numbers
| Census 2023 | Deschutes County | All of Oregon |
|---|---|---|
| Landscaping services establishments | 148 | 1,893 |
| Landscaping services employees | 640 | 11,299 |
| Annual payroll per landscaping employee | $53,727 | $47,815 |
| All services to buildings and dwellings | 288 | 3,633 |
| Nursery, garden center, and farm supply stores | 18 | 277 |
| Landscaping firms with fewer than 5 employees | 71% | 70% |
Counts: County Business Patterns 2023, NAICS 561730 and related codes.
In Deschutes County, 71% of landscaping businesses employ fewer than five people. Small crews still face big claims, especially from thrown objects and trailer accidents.
With 18 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 Bend customer base
Half of Bend's homes were built before 2002. Newer subdivisions with irrigation systems and young plantings mean installation, irrigation service, and HOA maintenance work.
With 25% of its 55,002 workers home-based, Bend has more residents home during the workday than the state average (19%). Thrown-object and property damage claims often come from homeowners who are present.
Housing and work patterns: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter. Population: U.S. Census Bureau Vintage 2024 city population estimates.
Pesticide licensing for Bend landscapers
In Oregon, the Oregon Department of Agriculture licenses commercial pesticide applicators. Bend crews that spray herbicides should confirm both the license and insurance coverage, since pollution exclusions can apply.
Statewide, the median annual wage for landscaping and groundskeeping workers was $45,040 in May 2025, per BLS. Payroll drives workers' compensation premiums.
Bend next to other Oregon markets
Landscapers around Portland number 238 at the county level. Marion County, which includes Salem, counts 220 landscaping services establishments. Neighboring Redmond, also in Deschutes County, has a median housing year of 2002. Ranked by landscaping firms in the county, Bend is number 14 among 20 Oregon city guides here.
Get ready for a Bend landscaping quote
- Tree work height
- Employees and payroll by job type
- Loss runs
- Mowing, installation, tree, chemical, snow: share of revenue for each
- Annual revenue
- High-value machines with serial numbers
Common questions from Bend landscapers
What insurance do Bend landscapers need?
General liability, commercial auto, equipment coverage, and workers' compensation once you hire. See the Oregon page.
How many landscaping companies are in Deschutes County?
The Census Bureau counted 148 landscaping service establishments in Deschutes County in 2023.
Do Bend HOAs require certificates?
Usually general liability with additional insured status, plus auto and workers' comp certificates. See groundskeeping coverage.
Landscaper guides close to Bend
Landscaper insurance in Oregon · Coverage
Last updated October 15, 2026 · How we research