Landscaping Insurance Cost
Get the full scoop on landscaping business insurance and how much it costs. From essential coverage to extra protection, find out what affects your rates—like the size of your business, location, and claims history.
Then see how Insurance Canopy helps you save with affordable coverage designed to keep your landscaping business growing strong.
How Much Is Landscaping Insurance?
Landscaping insurance cost starts at just $31 per month or $336 per year. Compared to the national average of $45 per month, or about $530 a year, our rates offer savings while still giving your business the solid protection it needs.
Most Popular Landscaping Insurance Policies (+ Their Cost)
Check out the must-have policies your business deserves and how much they cost so you can keep your landscaping business thriving without getting uprooted by unexpected expenses.
| Our Lowest Price | Industry Average | |
|---|---|---|
|
General Liability Insurance |
$336 / year |
$550 / year |
|
Tools and Equipment Insurance |
$155 / year |
$350 / year |
|
Additional Insureds |
No Cost |
No Cost |
|
Cyber Liability Insurance |
$99 / year |
$260 / year |
**based on the median cost of policies for landscaping insurance bought with Insurance Canopy.
How Your Number of Employees Affects Pricing
Your employee count can directly impact your insurance premium. Here’s a quick guide to how it scales based on the number of employees:
- 1-3 employees: Base price
- 4 Employees: Add $8.75/month or $105.00/year
- 5 Employees: Add $17.50/month or $210.00/year
General Liability Insurance
Whether a client trips over a stray garden hose or you accidentally damage a fence while landscaping, general liability coverage is designed to cover medical bills, damages, and legal fees. Just keep in mind, it’s for clients and third parties — not you or your employees.
| Coverage | Lowest Annual Cost / Lowest Monthly Cost |
|---|---|
|
$500K Per Incident / $1M Per Year |
$336 / $30.50 |
|
$1M Per Incident / $2M Per Year |
$411 / $36.75 |
Tools and Equipment Insurance
Got expensive gear like mowers and trimmers? Tools and equipment insurance, known as inland marine coverage, has your back. This coverage protects your equipment from theft and damage.
| Limits (Occurrence / Aggregate) | Lowest Annual Cost / Lowest Monthly Cost |
|---|---|
|
$5,000 |
$155.00 / $12.92 |
Additional Insureds
Adding additional insureds to your policy protects qualified third parties who could face a suit because of a mistake your business makes.
If you’re working at a client’s property and someone trips over equipment, injuring themselves, both you and your client could be named in a lawsuit. As an additional insured, your client is covered under your policy for claims arising from your work.
Many commercial clients require this coverage before hiring you. With Insurance Canopy, you can easily add additional insureds directly from your dashboard, 24/7.
Price per additional insured: Free
Workers Compensation
If one of your crew members takes a spill or pulls a muscle while working, workers compensation has their back (and yours). It covers medical expenses and lost wages due to on-the-job injuries, ensuring your team can recover without your business being hit with unexpected costs.
Because workers compensation laws differ from state to state, your coverage limit depends on your state’s specific statutory requirements.
Employers’ Liability Coverage Limits
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Policy Limit
The maximum coverage for bodily injury to one or more employees in any one accident.
$1,000,000 Each Accident
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Each Employee
Cyber Liability Insurance
Going digital comes with its own risks. If you collect or store client info online, process payments online, or run email campaigns, cyber liability insurance has you covered. This coverage can help you with:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
|
Monthly Premium |
$8.25 |
|
Annual Premium |
$99.00 |
|
Coverage
|
$100,000 Cyber Coverage Limit
including $50,000 in E-Theft Coverage
|
Factors Affecting Your Landscaping Business Insurance Costs
Here’s a breakdown of the factors that can impact your landscaping business insurance cost:
Size of Your Business
With more employees and clients, the chances of claims and liability issues can rise — and so might your premiums.
Location
Where you’re landscaping matters — local risks can influence your rates.
Claims History
If your business has a track record of frequent claims, insurers might tag you as a higher risk, leading to pricier insurance.
Coverage Limits
Make sure to balance the coverage you need with your budget — too little and you might be under-protected, too much and you might be overpaying
Additional Coverages
Extras like added coverages provide essential protection but come with a bigger price tag.
Tips for Saving on Landscaping Insurance
Want to cut your landscaping insurance cost without cutting corners? These tips will help you find the best value and keep your landscaping insurance cost in check:
Pay Annually
Choose between paying less upfront with a monthly premium or save on the cost of your insurance by paying annually.
Review Coverage
Cut the fluff from your policy. Adjusting your coverage and dropping unnecessary extras can help you save without skimping on the protection you really need.
Boost Safety
Keep your business running smoothly and your rates low. By ramping up safety measures, you not only protect your team but also show insurers your business is a safer bet.
Compare Options
The lowest-cost policy might not be the best coverage for your landscaping business. As you shop your options, look for the best combination of solid coverage that can scale with your business, company reputation and ratings, and a high level of customer service as well as pricing.
Maintain a Clean Record
Keep your claims history as spotless as your yards, and you’re more likely to get better pricing.
Secure Your Coverage in a Snap with Insurance Canopy!
Ready to elevate your landscaping business with hassle-free insurance? Skip the hassle and grab unbeatable rates and solid protection in no time. Get covered today and let your business thrive with Insurance Canopy!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
