Waco, TX
Insurance for Waco, TX landscapers
Liability, auto, equipment, and workers' comp for Waco landscapers and lawn care companies. A quote is not a binder.
About 146,608 people live in Waco, and the surrounding county supports 65 landscaping businesses, from solo mowing operators to multi-crew installation and maintenance companies.
Landscapers in Mclennan County by the numbers
| Census 2023 | Mclennan County | All of Texas |
|---|---|---|
| Landscaping services establishments | 65 | 5,568 |
| Landscaping services employees | 490 | 60,794 |
| Annual payroll per landscaping employee | $43,292 | $48,920 |
| All services to buildings and dwellings | 150 | 12,950 |
| Nursery, garden center, and farm supply stores | 16 | 1,107 |
| Landscaping firms with fewer than 5 employees | 51% | 59% |
Counts: County Business Patterns 2023, NAICS 561730 and related codes.
In Mclennan County, 51% of landscaping businesses employ fewer than five people. Small crews still face big claims, especially from thrown objects and trailer accidents.
With 16 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.
What Waco's housing means for landscapers
Half of Waco's homes were built before 1980. Mature neighborhoods with established trees mean more pruning and removal requests, which many landscaping policies limit.
10% of Waco workers work from home (state: 14%), which means more people at home during weekday mowing and blowing, and more attention to noise, debris, and crew conduct.
Census American Community Survey 2020–2024 (housing units, structure type, year built, tenure, and means of transportation to work); 2024 city population estimates.
Pesticide licensing for Waco landscapers
If your Waco company applies pesticides or herbicides, check licensing with the Texas Department of Agriculture and ask your agent for an applicator endorsement.
Statewide, the median annual wage for landscaping and groundskeeping workers was $36,740 in May 2025, per BLS. Payroll drives workers' compensation premiums.
Landscaping markets around Waco
Houston's county (Harris County) has 677 landscaping firms. Landscapers around San Antonio number 312 at the county level. Ranked by landscaping firms in the county, Waco is number 23 among 30 Texas city guides here.
What underwriters ask Waco landscapers
- Employees and payroll by job type
- Equipment list
- Mowing, installation, tree, chemical, snow: share of revenue for each
- Chemical application
- Annual revenue
- Tree work height
Common questions from Waco landscapers
Which policies do lawn care companies in Waco carry?
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 Waco?
The Census Bureau counted 65 landscaping service establishments in Mclennan County in 2023.
What do Waco property managers require from landscapers?
Usually general liability with additional insured status, plus auto and workers' comp certificates. See groundskeeping coverage.
Texas landscaping towns nearby
Landscaper insurance in Texas · Coverage
Last updated October 15, 2026 · How we research