Coverage Guide
Landscaping Insurance Coverage Guide
Essential coverage for lawn care and landscaping contractors
Coverage Types
General Liability
Property damage, injury
$1,800
Base Annual
Workers Compensation
Employee injury
$3,500
Base Annual
Equipment/Inland Marine
Mowers, trimmers, trailers
$600
Base Annual
Commercial Auto
Trucks, trailers
$1,800
Base Annual
Service Type Rates
| Service Type | Description | Rate Factor |
|---|---|---|
| Lawn Care & Mowing | Basic maintenance | ×0.85 |
| Full Service Landscaping | Complete services | ×1 |
| Hardscaping/Pavers | Patios, retaining walls | ×1.25 |
| Tree Service/Removal | High-risk work | ×1.5 |
| Irrigation Systems | Sprinkler systems | ×1.1 |
| Snow Removal | Seasonal service | ×1.2 |
*Tree service has the highest rates due to chainsaw and falling hazards