What insurance does a landscaper need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to landscapers — what each one covers, whether it's required, and what you should expect to pay in 2026.
General LiabilityRequired
$50–$120/mo
Covers property damage and injuries caused by your landscaping work, including chemical and equipment damage.
Workers CompensationRequired
$80–$200/mo
Required in most states for employees. Landscaping has above-average injury rates.
Commercial AutoRequired
$80–$180/mo
Covers your trucks, trailers, and equipment in transit.
Inland Marine
$30–$80/mo
Covers expensive landscaping equipment like mowers, trimmers, and trailers against theft and damage.
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Top risks for landscapers
- Property damage from equipment
- Employee injury on job site
- Pesticide or chemical damage
- Vehicle accident
- Stolen equipment
How much does insurance cost?
Most landscapers pay $100–$300/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
What if my mower damages a client's property?
General liability insurance covers accidental property damage from your equipment, including rocks thrown by mowers, sprinkler damage, and chemical overspray.
Do I need insurance for just lawn mowing?
Yes. Even basic lawn care creates liability exposure. Most clients and homeowner associations require proof of insurance before you can work on their property.
What is inland marine insurance for landscapers?
Inland marine covers your equipment while it's being transported or used at job sites — standard commercial property insurance only covers equipment at your business location.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most landscapers can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.