Pasco, WA
Pasco, WA landscaping and lawn care insurance
Liability, auto, equipment, and workers' comp for Pasco landscapers and lawn care companies. A quote is not a binder.
Landscaping is a sizable trade around Pasco. Franklin County had 51 landscaping service establishments in 2023, 1.6% of the Washington total.
The Pasco-area green industry
| Census 2023 | Franklin County | All of Washington |
|---|---|---|
| Landscaping services establishments | 51 | 3,194 |
| Landscaping services employees | 285 | 19,278 |
| Annual payroll per landscaping employee | $49,874 | $52,617 |
| All services to buildings and dwellings | 98 | 6,176 |
| Nursery, garden center, and farm supply stores | 5 | 357 |
| Landscaping firms with fewer than 5 employees | 69% | 69% |
Census County Business Patterns (2023 data year).
Most local landscapers are small: 69% of Franklin 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.
The county also has 5 nursery, garden center, and farm supply stores, which supply plants and materials for installation work and signal steady residential demand.
Pasco yards and grounds
Single-family homes make up 78% of Pasco's 25,678.0 housing units. Buildings of five or more units account for 12%, and those properties usually hire commercial grounds maintenance with stricter insurance requirements.
With 8% of its 35,588 workers home-based, Pasco has fewer residents home during the day than the state average (20%). 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.
Spraying for hire in Pasco
In Washington, the Washington State Department of Agriculture licenses commercial pesticide applicators. Pasco 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 $46,950 in May 2025, per BLS. Payroll drives workers' compensation premiums.
Where Pasco fits
Landscapers around Seattle number 843 at the county level. Spokane's county (Spokane County) has 223 landscaping firms. On county landscaping firm count, Pasco comes in 30th of the 30 Washington cities we cover.
Pasco landscaper quote prep
- Year, make, VIN, and drivers
- Maximum height and whether you remove trees
- Employees and payroll by job type
- HOA and property manager insurance requirements
- High-value machines with serial numbers
- Mowing, installation, tree, chemical, snow: share of revenue for each
Start a Pasco landscaper quote
Pasco landscaper insurance FAQ
What insurance do Pasco 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 Pasco?
The Census Bureau counted 51 landscaping service establishments in Franklin County in 2023.
Do Pasco HOAs require certificates?
Usually general liability with additional insured status, plus auto and workers' comp certificates. See groundskeeping coverage.
Landscaper guides close to Pasco
Landscaper insurance in Washington · Coverage
Last updated October 15, 2026 · How we research