Gardening Business Insurance Cost (2025 Rates)

Updated: November 6, 2025

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Key Takeaways

Gardening business insurance costs range from $483 to $2,232 annually on average, depending on coverage type, state and sub-industry.

Your gardening insurance premiums depend on location, claims history, property types serviced and employee count.

Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable gardening business insurance costs.

How Much Is Insurance for a Gardening Business?

We found average business insurance costs for gardening companies for commonly needed coverage are as follows:

Complete Gardening Insurance Bundle: $245 per month or $2,934 yearly for combined BOP, workers' comp and professional liability coverage.
General Liability Coverage: $113 monthly or $1,353 annually
Workers' Compensation Coverage: $47 per month or $564 per year
Professional Liability Coverage: $40 per month or $481 annually
Business Owner's Policy (BOP) Coverage: $158 monthly or $1,890 annually


BOP	$158	$1,890
General Liability	$113	$1,353
Professional Liability (E&O)	$40	$481
Workers' Comp	$47	$564

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.

Get Matched to Cheap Gardening Business Insurers

Select your industry and state to get a customized quote.

Industry

State

Gardening Business Insurance Cost of General Liability Coverage by State

Your gardening business's general liability insurance costs depend heavily on location. Alaska offers the lowest rates at $89 monthly, compared to the $113 national average. New York costs $131 monthly, a clear example of how your state affects your insurance budget.


Alabama	$111	$1,330
Alaska	$89	$1,070
Arizona	$107	$1,289
Arkansas	$108	$1,300
California	$126	$1,509
Colorado	$112	$1,343
Connecticut	$123	$1,472
Delaware	$121	$1,456
Florida	$122	$1,466
Georgia	$115	$1,376
Hawaii	$121	$1,455
Idaho	$107	$1,285
Illinois	$124	$1,487
Indiana	$110	$1,322
Iowa	$108	$1,291
Kansas	$110	$1,316
Kentucky	$105	$1,263
Louisiana	$127	$1,519
Maine	$98	$1,174
Maryland	$108	$1,293
Massachusetts	$118	$1,421
Michigan	$107	$1,283
Minnesota	$106	$1,271
Mississippi	$113	$1,361
Missouri	$112	$1,340
Montana	$112	$1,349
Nebraska	$107	$1,282
Nevada	$128	$1,541
New Hampshire	$112	$1,348
New Jersey	$128	$1,535
New Mexico	$114	$1,363
New York	$131	$1,572
North Carolina	$98	$1,174
North Dakota	$98	$1,178
Ohio	$105	$1,258
Oklahoma	$106	$1,272
Oregon	$105	$1,259
Pennsylvania	$130	$1,560
Rhode Island	$124	$1,489
South Carolina	$116	$1,396
South Dakota	$106	$1,267
Tennessee	$110	$1,322
Texas	$114	$1,367
Utah	$108	$1,294
Vermont	$108	$1,301
Virginia	$103	$1,234
Washington	$128	$1,541
West Virginia	$118	$1,421
Wisconsin	$111	$1,330
Wyoming	$104	$1,253

Note: These general liability rates reflect gardening businesses with two employees. Your rates depend on your location, claims history and the properties you service.

Gardening Business Insurance Cost of Workers’ Compensation Coverage by State

The cost of workers’ compensation insurance for gardening businesses varies by state. In North Carolina, coverage averages about $40 per month, while in New York, it’s around $54. These price differences come from each state’s regulations and claim history.


Alabama	$46
Alaska	$43
Arizona	$45
Arkansas	$45
California	$53
Colorado	$46
Connecticut	$52
Delaware	$50
Florida	$51
Georgia	$48
Hawaii	$49
Idaho	$44
Illinois	$51
Indiana	$45
Iowa	$45
Kansas	$46
Kentucky	$44
Louisiana	$54
Maine	$41
Maryland	$45
Massachusetts	$50
Michigan	$44
Minnesota	$44
Mississippi	$47
Missouri	$46
Montana	$47
Nebraska	$44
Nevada	$53
New Hampshire	$46
New Jersey	$53
New Mexico	$47
New York	$54
North Carolina	$40
Oklahoma	$44
Oregon	$43
Pennsylvania	$54
Rhode Island	$51
South Carolina	$49
South Dakota	$44
Tennessee	$45
Texas	$47
Utah	$45
Vermont	$45
Virginia	$43
West Virginia	$49
Wisconsin	$46

Note: We based these workers' comp rates on gardening businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.

Gardening Business Insurance Cost of Professional Liability Coverage by State

Your professional liability cost depends on your state location. Nationwide, businesses pay an average of $40 monthly for this coverage. North Carolina offers the most affordable rates at $35 monthly, while New York businesses have the highest costs at $47 monthly.


Alabama	$40
Alaska	$36
Arizona	$37
Arkansas	$39
California	$45
Colorado	$40
Connecticut	$44
Delaware	$43
Florida	$44
Georgia	$41
Hawaii	$41
Idaho	$38
Illinois	$43
Indiana	$39
Iowa	$38
Kansas	$39
Kentucky	$37
Louisiana	$45
Maine	$35
Maryland	$38
Massachusetts	$41
Michigan	$38
Minnesota	$38
Mississippi	$40
Missouri	$40
Montana	$40
Nebraska	$38
Nevada	$45
New Hampshire	$40
New Jersey	$45
New Mexico	$40
New York	$47
North Carolina	$35
North Dakota	$35
Ohio	$38
Oklahoma	$38
Oregon	$37
Pennsylvania	$46
Rhode Island	$44
South Carolina	$41
South Dakota	$38
Tennessee	$39
Texas	$40
Utah	$38
Vermont	$38
Virginia	$37
Washington	$46
West Virginia	$42
Wisconsin	$39
Wyoming	$37

Note: We based these professional liability rates on gardening businesses with two employees across different states. Your actual rates will depend on your services offered and location.

Gardening Business Insurance Cost of BOP Coverage by State

Gardening business insurance costs depend heavily on your state's business owner's policy (BOP) regulations and risk factors. BOP insurance cost varies dramatically across the country, with Alaska offering the most affordable rates at $122 per month and New York charging the highest at $186 monthly for the same coverage level.


Alabama	$153
Alaska	$122
Arizona	$152
Arkansas	$155
California	$171
Colorado	$156
Connecticut	$170
Delaware	$171
Florida	$175
Georgia	$160
Hawaii	$161
Idaho	$148
Illinois	$174
Indiana	$152
Iowa	$152
Kansas	$154
Kentucky	$142
Louisiana	$172
Maine	$136
Maryland	$150
Massachusetts	$164
Michigan	$146
Minnesota	$149
Mississippi	$157
Missouri	$160
Montana	$156
Nebraska	$145
Nevada	$183
New Hampshire	$158
New Jersey	$179
New Mexico	$157
New York	$186
North Carolina	$139
North Dakota	$139
Ohio	$150
Oklahoma	$148
Oregon	$150
Pennsylvania	$182
Rhode Island	$170
South Carolina	$161
South Dakota	$152
Tennessee	$153
Texas	$158
Utah	$150
Vermont	$156
Virginia	$144
Washington	$182
West Virginia	$166
Wisconsin	$155
Wyoming	$145

Note: We based these BOP rates on gardening businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.

Gardening Business Insurance Cost by Provider

Gardening business insurance costs differ by provider, ranging from $44 monthly with NEXT to $157 with Hiscox. These price differences reflect each insurer's risk assessment and target market. Rates shift over time based on claims experience and business strategy.


Chubb	$108	$1,302
Coverdash	$81	$976
Hiscox	$157	$1,885
NEXT Insurance	$44	$531
Nationwide	$99	$1,186
Progressive Commercial	$89	$1,066
Simply Business	$72	$868
The Hartford	$71	$847
Thimble	$53	$632
biBERK	$130	$1,560

Gardening Business Insurance Cost Factors

Many factors affect how much you’ll pay for gardening business insurance when providers calculate your policy rates:

Geographic location

Regional weather patterns and local regulations affect what insurers charge for coverage. Businesses in areas prone to severe storms or with strict pesticide laws have different premium calculations than those in mild climates.

Safety record and claims history

Accidents involving injuries or property damage linger on your record for years. Even one claim from a worker falling off a ladder or damaging a client's fence can push your rates up.

Types of properties serviced

Residential lawns carry less risk than commercial landscaping projects. Maintaining apartment complexes or corporate campuses with irrigation systems and mature trees means higher potential liability than basic yard maintenance.

Employee count and payroll

Crew size directly impacts your workers' compensation costs. A solo operator pays minimal premiums, while companies employing seasonal teams for spring cleanup and summer mowing see substantially larger bills.

Services offered

Tree trimming and chemical applications bring more exposure than mowing and weeding. Companies offering hardscaping, pond installation or pesticide spraying need specialized coverage that basic lawn care businesses can skip.

Business size and revenue

Annual income reflects your scope of operations and claim exposure. Small operations earning $80,000 servicing neighborhood yards pay differently than established companies pulling $400,000 from commercial contracts.

Coverage limits

The protection level you choose changes your monthly outlay. Opting for higher liability limits guards against worst-case scenarios like severe property damage, but those extra zeros on your policy cost real money.

Equipment and vehicle values

Commercial mowers, trailers and trucks need adequate property protection. Companies running zero-turn mowers, aerators and multiple crew vehicles pay more than those operating with basic push mowers and a pickup.

Credit score and financial stability

Your credit profile factors into pricing in many states. Insurers view strong personal credit as a sign of reliability, potentially lowering your rate, while credit issues can bump costs up considerably.

How to Get Cheap Gardening Business Insurance

Lowering your gardening business insurance costs takes smart planning and the right approach. Our guide helps you find cheap business insurance for your gardening company.

1
Choose the right coverage types for your business
Gardening businesses should carry general liability insurance to cover property damage caused by equipment. Professional liability protects you from mistakes like poor plant choices or irrigation errors.

You’ll also need commercial auto coverage for vehicles that haul tools and supplies. If you use pesticides, herbicides or fertilizers, add pollution liability coverage to guard against soil or water contamination.
2
Shop multiple insurance companies
Insurance costs depend on the type of services you offer, whether it’s basic mowing and maintenance or full landscaping, hardscaping and tree work.

Get quotes from at least three providers and confirm that each policy includes coverage for pesticide or herbicide use, as some standard plans exclude it.
3
Bundle your coverage types
Bundling policies such as general liability, commercial auto, and equipment coverage can save 16% to 24% compared to buying them separately.

Many insurers also offer business owner’s policy (BOP) packages that combine general liability and property insurance at lower rates. Ask about bundles designed specifically for landscaping or gardening businesses.
4
Increase your deductibles
Setting higher deductibles between $1,000 and $2,500 lowers premiums by about 18% to 26%. This strategy works best if your equipment is well-maintained and you have funds set aside for minor repairs. Frequent small claims may affect your eligibility for renewal.
5
Pay annually instead of monthly
Paying your premium in full each year avoids financing fees that usually add 5% to 10% to monthly payments. Many insurers also give a 5% to 8% discount for upfront payment. For a gardening business with $4,500 in yearly premiums, that’s a potential savings of $450 to $810.
6
Review and adjust your coverage annually
Revisit your policy whenever you hire new staff, add specialized services like tree trimming or chemical application, or purchase new equipment. If you’ve earned pesticide licenses, added safety training or improved protective gear, you may qualify for additional discounts.

Insurance for Gardening Business Cost: Bottom Line

Gardening business insurance costs range from $40 monthly for professional liability to $245 monthly for a comprehensive bundle. Your actual rate depends on where you operate, the size of your business, and your claims history.

Gardening Insurance Cost: FAQ

Gardening business owners commonly ask about insurance costs.

What is the cheapest type of gardening business insurance?

Professional liability coverage is the cheapest at $40 monthly, but it only covers errors and omissions in your services. Most gardening businesses need general liability coverage ($113 monthly) since it protects against customer injuries and property damage claims on job sites.

How much does gardening business insurance cost in expensive states like California and New York?

You'll pay more in these states. General liability in California runs $126 monthly (versus $113 national average), and BOP costs $171 monthly (versus $158 average). New York is similar at $131 and $186, respectively.

How much can I save by bundling my gardening business insurance policies?

Combining multiple policies with one insurer delivers greater savings than purchasing them individually. Insurance companies reward businesses that bundle commercial auto, general liability, and commercial property coverage together.

What factors make my gardening business insurance more expensive?

Premium costs increase due to multiple risk factors: working with hazardous chemicals and equipment, maintaining extensive property coverage, higher worker compensation needs, seasonal revenue fluctuations and potential liability from property damage.

Should I choose a $500 or $2,500 deductible for my gardening business insurance?

A higher deductible lowers your monthly premium but means paying more out of pocket if you file a claim. Think about how much cash you have set aside and how often you expect to use your coverage before deciding.

How much does workers' compensation cost for gardening businesses by state?

Workers' compensation costs for gardening businesses vary by state, spanning from $40 monthly in North Carolina to $54 monthly in New York.

Is business owner's policy (BOP) worth the extra cost for gardening companies?

Yes, BOP insurance is worth it for gardening companies. At $158 monthly, it bundles general liability, commercial property and business interruption coverage for less than purchasing policies separately, offering excellent value and convenience.

How often should I shop around for gardening business insurance quotes?

Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like adding employees or expanding services.

How We Determined Gardening Business Insurance Costs

We collected gardening business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:

Two employees (three people in total, including the owner)
$150,000 annual payroll
$300,000 annual revenue
Already insured status
$1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage

We used a typical small gardening business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the gardening industry.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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