Florida Landscaping Insurance
Year-round growing season means year-round risk. Florida landscapers face unique challenges from hurricanes, heat, and high litigation rates.
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Workers' Comp (4+ Employees)
Florida requires workers' comp for landscaping businesses with 4 or more employees. Construction-related landscaping may have different thresholds.
General Liability
Not state-mandated, but required by every HOA, condo association, and commercial property in Florida. Many require $1M/$2M minimum.
Commercial Auto
Florida has mandatory PIP (Personal Injury Protection) for all vehicles. Commercial trucks need commercial auto policies with higher liability limits.
No State Licensing
Florida doesn't require a state-level landscaping license, but many counties and cities (Miami-Dade, Broward, Palm Beach) have local licensing requirements.
Florida-Specific Risks
Hurricane & Storm Cleanup
Many landscapers do storm cleanup work after hurricanes. This involves downed trees, debris removal, and emergency work on damaged properties — all higher-risk activities. Make sure your GL policy doesn't exclude storm-related work.
Heat-Related Injuries
Florida's heat index regularly exceeds 100°F. Heat stroke and dehydration are common workers' comp claims for landscaping crews. Proper hydration protocols can reduce claims and premiums.
High Litigation State
Florida has one of the highest rates of slip-and-fall lawsuits in the country. If you maintain commercial properties, adequate GL limits are critical.
Typical Costs in Florida
| Coverage | Typical Monthly Cost |
|---|---|
| General Liability | $50–$80/mo |
| Workers' Comp | $180–$450/mo (varies by payroll) |
| Commercial Auto | $130–$300/mo |
Florida rates are above the national average due to high claim frequency and litigation costs.
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