How Much Does Landscaping Insurance Cost?
Most landscapers pay $45–$75/month for general liability. Here's what drives your rate and how to get the best deal.
Average Monthly Costs
| Coverage Type | Monthly Cost | What It Covers |
|---|---|---|
| General Liability | $45–$75/mo | Property damage, bodily injury, completed operations |
| Workers' Comp | $150–$400/mo | Employee injuries on the job (required with employees) |
| Commercial Auto | $100–$250/mo | Trucks, trailers, and equipment in transit |
| Inland Marine | $30–$80/mo | Equipment theft and damage (mowers, blowers, etc.) |
| BOP (Bundle) | $100–$200/mo | GL + property + business interruption bundled |
What Affects Your Rate?
Annual Revenue
Higher revenue = more exposure = higher premiums. A $100K/year operation pays less than a $500K one.
Number of Employees
More workers increase your risk profile. Solo operators get the lowest GL rates.
Services Offered
Basic mowing is cheap to insure. Tree removal, excavation, and hardscaping cost more due to higher risk.
Claims History
Clean record? You'll get better rates. Past claims can increase premiums 20-50%.
Location
State regulations and local claim patterns affect pricing. Florida and California tend to be higher.
Coverage Limits
Standard $1M/$2M is most common. Higher limits for commercial contracts cost more.
5 Ways to Lower Your Premium
- 1
Bundle your policies
Combining GL with commercial auto or inland marine often saves 10-15%.
- 2
Pay annually instead of monthly
Most carriers offer a 5-10% discount for paying upfront.
- 3
Maintain a clean claims record
Every claim-free year can lower your renewal rate.
- 4
Use a broker (like us)
We shop multiple A-rated carriers to find the best rate — you'd only see one quote going direct.
- 5
Right-size your coverage
Don't over-insure. A solo mowing operation doesn't need the same limits as a full-service firm.
Frequently Asked Questions
How much does landscaping insurance cost per month?▾
General liability insurance for landscapers typically costs $45–$75 per month for a $1M/$2M policy. Workers' comp runs $150–$400/month depending on payroll. Commercial auto is $100–$250/month.
Why is my landscaping insurance so expensive?▾
Higher premiums are usually driven by larger revenue, more employees, high-risk services (tree removal, excavation), past claims, or being in a high-litigation state like California or Florida. Bundling policies and maintaining a clean claims record can lower your rate.
Can I get landscaping insurance with no employees?▾
Yes. Solo operators can get general liability coverage starting around $45/month. You won't need workers' comp until you hire employees (requirements vary by state).
Is it cheaper to pay annually or monthly?▾
Most carriers offer a 5–10% discount for paying your premium annually upfront instead of monthly installments.
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