Landscaper insurance guide
Pesticide and herbicide liability
Spraying weed control or insecticides for clients brings licensing requirements and a specific insurance gap.
State licensing agencies
| State | Pesticide applicator licensing agency |
|---|---|
| Washington | Washington State Department of Agriculture |
| Oregon | Oregon Department of Agriculture |
| Idaho | Idaho State Department of Agriculture |
| Nevada | Nevada Department of Agriculture |
| Arkansas | Arkansas Department of Agriculture, State Plant Board |
| Arizona | Arizona Department of Agriculture |
| South Dakota | South Dakota Department of Agriculture and Natural Resources |
| Pennsylvania | Pennsylvania Department of Agriculture |
| Texas | Texas Department of Agriculture |
| Indiana | Office of Indiana State Chemist |
Agency names are for reference. Confirm current license categories and requirements with the agency before applying any pesticide or herbicide for hire.
The pollution exclusion
Standard general liability forms contain a pollution exclusion. Depending on wording, it can apply to chemicals you apply. Ask whether your policy includes a pesticide or herbicide applicator endorsement, and what limits and conditions apply, such as requiring a licensed applicator.
Common chemical claims
- Drift that damages a neighbor's plants or garden
- Lawn burn from misapplication
- Claims of illness after exposure
- Pets or children allegedly harmed
- Runoff into ponds
Best practices
- Keep licensed applicators on every chemical job
- Follow label directions exactly
- Record products, rates, weather, and locations
- Post notices where required
- Avoid spraying in wind
Requirements change; confirm with the agency before applying for hire.
Frequently asked questions
Is herbicide drift covered by general liability?
Many general liability policies exclude pollution, which can include pesticides and herbicides. Some landscaper policies add back limited coverage; others require a separate endorsement or policy.
Do I need a license to spray for hire?
Commercial application of pesticides generally requires a state license. Check with your state's agency.
Does fertilizer count?
Fertilizer is generally treated differently from pesticides, but products that combine fertilizer and weed control may count as pesticides.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research