Construction & trades

Landscaping & grounds

Lawn care, landscape design, installation, and grounds-maintenance contractors.

Why it needs cover

The exposure

Landscapers cause property damage (irrigation lines, hardscape, chemical drift) and face mower/equipment injuries. Adding tree work or chemical application raises exposure sharply.

What we place

Coverages this class usually needs

General liabilityOften (contract)

Property damage and injuryEquipment and chemical exposure

Workers' compensationRequired (with employees)

Injured-worker costsEquipment injuries

Commercial autoRequired (owned vehicles)

Trucks and trailersMobile trade

Inland marine (equipment)Optional

Mowers and toolsHigh-value mobile equipment

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

$51/mo

BOP

$80/mo (landscape design)

Workers' comp

NCCI class 0042 (landscape gardening); landscaping WC averages ~$169/mo

Total annual (typical)

roughly $600-$2,000/yr GL+ for solo-to-small operators

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Landscaping/Landscape cost); QuoteSweep citing Insureon.

When it goes E&S

Where this risk gets hard to place

Tree trimming/removal, chemical application, and snow plowing can push accounts to specialty/E&S markets.

Contact

Talk to us about Landscaping & grounds.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.