Landscaping Insurance Cost
Is landscaping insurance worth the price? Whether you’re running solo or managing a crew, insurance is what keeps one little misstep from ruining your season. Insurance Canopy makes protecting your business easy and affordable, so you can focus on winning jobs and growing your business.
How Much Does Landscaping Insurance Cost?
A landscaping policy with Insurance Canopy starts at just $33.75 a month or $375 a year. This base coverage meets the day-to-day needs of most landscaping businesses, though optional add-ons are available to further customize your policy.
What Types of Payment Plans Are Available?
You can choose between two budget-friendly payment options for your landscaping insurance: monthly or annual.
Monthly payments keep your upfront costs down by spreading them out over time. This payment structure makes sense for managing cash flow during slow/off seasons. There is a small monthly fee of $2 for this option.
Annual payments save you money over time by avoiding a monthly fee. If you need year-round coverage and want to lower your overall cost, paying annually might be a better fit for your business.
How Much Does Each Type of Coverage Cost?
General Liability Insurance: $31 a Month or $336 a Year
General liability coverage is your safety net for third-party bodily injury and property damage claims. It can also pay legal defense costs and medical bills tied to business-related accidents.
General liability includes $500,000 per occurrence and $1M aggregate, though $1M per occurrence and $2M aggregate limits are available.
Tools and Equipment: $13 a Month or $155 a Year
Also called inland marine, tools and equipment insurance helps pay repair or replacement costs if your gear is damaged or stolen in transit, at a job site, or while in storage. This includes detached trailers, lawn mowers, and other common landscaping equipment.
Cyber Liability: $8.25 a Month or $99 a Year
Cyber liability protects your business if sensitive client information or payment data is stolen or exposed in a cyberattack, like ransomware, data loss, or security breaches. It can cover expenses such as legal fees, credit monitoring, notification costs, and more.
Professional Liability: $15 a Month or $180 a Year
Professional liability protects your business when a client claims your work, advice, or professional service caused a financial loss. It steps in to pay the cost of defending a claim and resolving it, up to your policy limit.
Tree Trimming: $48 a Month or $576 a Year
Tree trimming coverage adds extra protection for the hazards of tree work, helping cover liability for pruning, shaping, and routine trimming where falling limbs, property damage, or bodily injury are more likely.
Snow & Ice Removal: $217 a Month or $2,604 a Year
Snow and ice removal protects your business from winter exposures — slip-and-fall claims, property damage from plowing or de-icing, and related liability from clearing driveways, walkways, and small residential or multi-family areas.
Pool Cleaning: $20 a Month or $240 a Year
Pool cleaning insurance covers risks associated with servicing pools, including accidental damage to pool finishes or equipment, injuries related to pool work, and liability arising from chemical handling or service-related incidents.
Pressure Washing: $13 a Month or $156 a Year
Pressure washing coverage protects against exposures from high-pressure cleaning, such as surface damage, overspray onto nearby property, water intrusion, and related liability or defense costs.
Additional Insured: $0.83 a Month or $10 a Year
Additional Insured coverage adds a client or general contractor to your policy as a covered party if a contract requires it. This protects them from covered losses under your policy and helps you meet proof-of-insurance requirements.
Workers Compensation
Workers compensation protects your crew and payroll if an employee suffers a work-related injury or illness. It helps pay for an employee’s medical expenses, rehabilitation, and even a portion of their lost wages.
Business Service Bond
Business service bonds build client trust by offering financial protection if one of your employees steals property or money from them. It gives customers peace of mind and reimburses them for the covered loss.
Commercial Auto
Commercial auto insurance protects your company-owned vehicles if they’re vandalized, stolen, or involved in an accident. It also covers repairs to your vehicles and medical bills for injuries due to an accident.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
What Factors Affect Landscaping Liability Insurance Cost?
A larger crew means more people on jobs, but it also means more potential risk for your business. This can raise your premiums and affect your coverage costs.
Adding optional coverages to your landscaping policy, like tools and equipment or professional liability, increases your total insurance cost.
Insurers often charge higher premiums for businesses with a history of claims, leading to higher monthly/yearly premiums.
Landscaping Liability Insurance Cost Factors
Here’s how your crew size affects your landscaping insurance program costs:
How Can I Cut the Cost of Landscaping Insurance?
Choosing annual billing over monthly payments is one easy way to lower your landscaping insurance cost.
Try these risk management strategies to manage risks and keep costs low:
- Inspect gear such as ladders, trimmers, lawn mowers, and trailers regularly to prevent accidents and equipment failures.
- Maintain a safe worksite for you, your crew, and your customers. Check walkways for tripping hazards, like power cords, and always prioritize safety over time-saving shortcuts.
- Work within the scope of your policy and add-on coverages. This means avoiding tree work within 15 ft of power lines and not pressure washing above two stories.
Why Insurance Canopy for Landscaping Insurance?
Need a straightforward landscaping insurance policy that matches the work you do? We’ve got you covered:
- Affordable Monthly or Annual Payments
- Transparent Pricing
- Instant Certificate of Insurance (COI)
- Manage Your Policy Online 24/7
- Coverage that Scales with Your Crew Size
Landscaping Insurance Coverage
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$1,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention, or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$500,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Also known as “inland marine,” Equipment & Tools covers movable property such as mowers, edgers, and gardening supplies. This coverage pays to replace or repair your business gear if it’s stolen or damaged.
Note: This coverage excludes any structures or items permanently fixed to a single location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Also known as errors and omissions (E&O), Professional Liability coverage protects you from financial losses resulting from mistakes or negligence in your landscaping services. This includes advice or consultation you offer to a customer that causes bodily injury or financial loss.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Liability coverage for landscaping businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes.
Note: Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.
$217/mo. or $2,604/yr.
Covers landscaping businesses that provide pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance protects you from expensive claims if you or an employee accidentally damages a client’s pool or equipment during service.
$20/mo. or $240/yr.
Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must use non-toxic, water-based chemicals and clean surfaces less than two stories tall.
$13/mo. or $156/yr.
Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $10 per year per insured. If you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Provides financial compensation to employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation costs. It also covers your legal fees if an employee sues you over a workplace injury or illness.
Bonds protect your clients from financial loss if you are unable to complete a contract. They also ensure you meet all legal requirements necessary for jobs.
Protects your business from financial loss caused by phishing scams, ransomware, and other cyberattacks. If your company processes payments and stores client information digitally, cyber liability is essential for securing your business.
Lawn care professionals typically rely on a fleet of vehicles to transport landscaping equipment and crew members. If an employee gets into an accident on the way to a job site, commercial auto coverage can cover third-party injuries and damages. Additionally, it also covers vandalism and theft of your equipment.
How Do I Get a Quote?
Get fast, same-day coverage with our quick online application. Just tell us about your business, choose your coverage options, and get your free quote instantly. Buying insurance online shouldn’t be a long, complicated process — that’s why we get you from quote to coverage fast.
FAQs About the Cost of Landscaping Insurance
Does My Landscaping Business Insurance Policy Include Workers Compensation?
No, workers compensation is not included in your base policy. If you have employees, you’ll need to add workers compensation to your list of coverages through your Insurance Canopy dashboard.
Can I Add an Additional Insured to My Landscaping Program?
Yes, you can add an additional insured for $0.83 a month or $10 a year. This add-on covers a client, contractor, or HOA if they request a temporary addition to your policy.
Does Landscaping Insurance Cost More Monthly or Annually?
Monthly payments can help you manage your cash flow during slower seasons, but they include a $2 monthly fee. Annual billing avoids that fee, making it a better option if you want year-round coverage at a lower overall cost.
Clint Hale | Copywriter
Ohio-based copywriter Clint Hale leverages his experience as a bourbon and stout enthusiast to distill insurance into clear, simple language. He also holds a B.A. in Communication Studies from Kent State University. Before working at Insurance Canopy, he was a Senior Copywriter at an SEO marketing agency. Fully trained in all things insurance, Clint writes to help business owners find a well-rounded policy to meet their needs.
Ohio-based copywriter Clint Hale leverages his experience as a bourbon and stout enthusiast to distill insurance into clear, simple language. He also holds a B.A. in Communication Studies from Kent State University. Before working at Insurance Canopy, he was a Senior Copywriter at an SEO marketing agency. Fully trained in all things insurance, Clint writes to help business owners find a well-rounded policy to meet their needs.