2026 Calculator
Landscaping Insurance Calculator
Estimate your landscaping contractor insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does landscaping insurance cost in 2026?
Landscaping insurance typically costs $3,000-$8,000 per year including GL and workers comp. General liability alone ranges from $1,200-$2,500. Landscaping has relatively low workers comp rates ($6-$12 per $100 payroll), but equipment coverage adds to costs.
What insurance does a landscaper need?
Landscapers need: General Liability (covers property damage - sprinkler lines, windows), Workers Compensation (for employees), Equipment/Inland Marine (mowers, trimmers, trailers), and Commercial Auto. Many HOAs and commercial clients require proof of insurance.
Does landscaping insurance cover damaged property?
Yes. General liability covers third-party property damage like broken sprinkler lines, damaged plants, broken windows from flying debris, and vehicle damage in driveways. Property damage claims account for about 40% of all landscaping liability claims.
Do I need equipment insurance for landscaping?
Yes. Equipment/Inland Marine insurance covers your mowers, trimmers, blowers, trailers, and other equipment against theft, vandalism, and damage. It's crucial since landscaping equipment is expensive and often stored on trailers that can be stolen.
Is tree service more expensive to insure?
Yes. Tree service and removal has higher workers comp rates ($15-$25 per $100 payroll) due to chainsaw and falling hazard risks. Tree service specialists pay significantly more than basic lawn care operators for both GL and workers comp.