Texas Landscaping Insurance

Texas doesn't require workers' comp, but that doesn't mean you should skip it. Here's what TX landscapers need to know.

Texas Insurance Requirements

Texas is one of the few states that does not require a state contractor's license for landscaping. However, many cities (Houston, Austin, Dallas, San Antonio) have their own licensing and insurance requirements.

General Liability

Not legally required by the state, but required by virtually every commercial client, HOA, and property manager. Essential for any professional operation.

Workers' Comp (Optional)

Texas is the only state where WC is truly optional. But without it, injured employees can sue you directly — and there's no cap on damages.

Commercial Auto

Texas has high auto accident rates. If your truck is used for business, personal auto won't cover an accident on the way to a job.

City-Level Requirements

Houston, Dallas, Austin, and San Antonio may require business licenses and proof of insurance. Check your city's requirements.

Why Texas Landscapers Still Need Workers' Comp

Being a "non-subscriber" (no WC) in Texas means:

Injured employees can sue you in civil court with no caps on damages
You lose common-law defenses (contributory negligence, fellow servant doctrine)
You're personally liable for medical bills and lost wages
Many GCs and commercial clients won't hire non-subscriber subs

For most Texas landscaping businesses with employees, workers' comp is cheaper than the risk of going without it.

Learn more about workers' comp →

Typical Costs in Texas

Coverage	Typical Monthly Cost
General Liability	$45–$70/mo
Workers' Comp	$150–$350/mo (varies by payroll)
Commercial Auto	$120–$280/mo

Texas rates are generally at or slightly below the national average for landscaping GL.

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