Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 21, 2026.
GENERAL LIABILITY
Landscaping/Lawn Care/ Hardscaping $61/month for general liability
WHY IT MATTERS
Why Landscaping/Lawn Care/ Hardscaping need business insurance
Landscaping, lawn care, and hardscaping work can involve customer property, mobile equipment, vehicles, employees, and project obligations. A suitable mix of policies can address different risks, subject to each policy's terms, limits, and exclusions.
SCENARIO 1
A customer trips over equipment
A customer trips over a hose or tool left in a work area and alleges an injury. General liability insurance may help with a covered claim and related defense costs.
SCENARIO 2
Equipment is stolen from a trailer
A mower or other mobile tool is stolen while being transported between jobs. Inland marine insurance may help repair or replace covered equipment, subject to the policy terms.
SCENARIO 3
A work vehicle is in a collision
An employee has an accident while driving a covered business vehicle to a job. Commercial auto insurance may respond to covered vehicle damage or liability claims.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services performed
Quotes can be higher when the business performs work with greater injury or property-damage exposure, such as grading, operating heavy equipment, or building hardscape features.
Payroll and crew size
A larger payroll or crew can increase the work exposure considered for workers' compensation and other coverage lines.
Revenue and project volume
More revenue or a higher volume of projects can indicate greater exposure to customer injuries, property damage, and completed-work claims.
Vehicles and driving activity
More business vehicles, drivers, or time on the road can push commercial auto quotes higher.
Equipment value
Higher equipment values or broader protection for mobile tools can increase the quote for inland marine insurance.
Claims history
Repeated or severe prior claims can result in a higher quote, while clear records and documented safety practices can support the application review.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national landscaping, lawn care, or hardscaping business, rates and requirements vary by state and by carrier.
State requirements
Workers' compensation, commercial auto, and other requirements can differ by state, so the applicable rules depend on where employees work and vehicles operate.
Customer and project contracts
A property owner, general contractor, or project agreement may require particular coverage lines, limits, or proof of insurance.
Operating footprint
Working across multiple states or serving a wider territory can change how the business's vehicles, employees, and projects are reviewed.
2,403
Quotes analyzed
51
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Describe every service accurately
List lawn care, landscaping, hardscaping, grading, installation, and other operations separately so the application reflects the work you perform.
Update business figures
Use current payroll, revenue, employee, vehicle, and subcontractor information rather than relying on old estimates.
Create an equipment inventory
Record each major tool or machine, its value, and how it is stored and transported.
Document safety practices
Gather driver checks, employee training records, maintenance schedules, written contracts, and prior claims details before requesting a quote.
FAQ
Common questions
What insurance should a landscaping, lawn care, or hardscaping business consider?
The right mix depends on your services, employees, vehicles, equipment, and contracts. Coverage options can include general liability insurance, workers' compensation, commercial auto, inland marine, a business owners policy, and surety bonds.
Does general liability insurance cover damage to customer property?
General liability insurance may cover accidental damage to someone else's property when the claim falls within the policy terms. It may not cover faulty work itself, damage to your own property, or every contractual obligation.
Do landscaping businesses need workers' compensation?
Workers' compensation requirements vary by state and by the details of the business. Employee count, worker classification, and contract terms can affect what is required or requested.
What coverage applies to trucks and trailers used for work?
Commercial auto insurance is the coverage to discuss for vehicles used by the business. Tools and equipment carried in a vehicle or trailer may need inland marine insurance because coverage depends on the property and the cause of loss.
What information should I prepare for a business insurance quote?
Prepare a clear description of services, revenue, payroll, employee roles, subcontractor use, vehicles, drivers, equipment, project types, operating states, contracts, and claims history. Complete and current information helps the application reflect how the business operates.