Gardening business insurance costs range from $40 to $245 monthly based on coverage type and location, with general liability averaging $113 nationwide.
Get matched with cheap gardening business insurance below.
Updated: December 29, 2025
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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.
We found average business insurance costs for gardening companies for commonly needed coverage:
| BOP | $158 | $1,890 |
| General Liability | $113 | $1,353 |
| Professional Liability (E&O) | $40 | $481 |
| Workers' Comp | $47 | $564 |
*These rates reflect small businesses with two employees across 79 major industries for four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your rates vary by business factors and location.
Select your industry and state to get a customized quote.
Location drives your gardening business's general liability insurance costs. Alaska costs $89 monthly versus the $113 national average, while New York costs $131.
| 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 |
*These general liability rates are for gardening businesses with two employees. Your rates vary based on location, claims history and property types serviced.
Workers’ compensation insurance for gardening businesses costs $40 monthly in North Carolina and $54 in New York. State regulations and claim history create these price gaps.
| 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 |
*These workers' comp rates are for gardening businesses with two employees. Your requirements and costs vary by state regulations.
Your professional liability cost depends on your state. Nationwide, businesses pay an average of $40 monthly for this coverage. North Carolina has the most affordable rates at $35 monthly, while New York has the highest at $47.
| 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 |
*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.
Business owner's policy (BOP) costs for gardening businesses range from $122 monthly in Alaska to $186 in New York. State regulations and risk factors create this $64 monthly gap.
| 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 |
*These BOP rates are for gardening businesses with two employees. Your rates vary by business size, location and coverage needs.
Gardening business insurance costs range from $44 monthly with NEXT to $157 with Hiscox. Insurers set rates based on their risk assessments, target markets, claims experience and business strategies.
| 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 |
Many factors affect how much you’ll pay for gardening business insurance when providers calculate your policy rates:
Regional weather patterns and local regulations affect what insurers charge for coverage. Businesses in areas prone to severe storms or with strict pesticide laws pay different premiums than those in mild climates.
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.
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.
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.
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.
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.
The protection level you choose changes your monthly premium. Opting for higher liability limits guards against worst-case scenarios like severe property damage, but those extra zeros on your policy cost real money.
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.
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.
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.
Carry general liability insurance to cover property damage from your equipment. Add professional liability for mistakes like poor plant choices or irrigation errors.
Get commercial auto coverage for vehicles hauling tools and supplies. Add pollution liability if you use pesticides, herbicides or fertilizers to protect against soil or water contamination.
Your rates vary based on your service offerings. Basic mowing and maintenance costs less than full landscaping, hardscaping and tree work.
Get quotes from at least three providers. Confirm each policy covers pesticide or herbicide use, as some standard plans exclude it.
Bundle general liability, commercial auto and equipment coverage to save 16% to 24% versus buying policies separately.
Insurers offer business owner's policy (BOP) packages combining general liability and property insurance at lower rates. Ask about bundles for landscaping or gardening businesses.
Set deductibles between $1,000 and $2,500 to lower premiums by 18% to 26%. This works best when your equipment is well-maintained and you have funds for minor repairs. Frequent small claims can affect your renewal eligibility.
Pay your premium in full each year to avoid financing fees adding 5% to 10% to monthly payments. Insurers offer 5% to 8% discounts for upfront payment. A gardening business with $4,500 in yearly premiums saves $450 to $810.
Revisit your policy when you hire staff, add specialized services like tree trimming or chemical application, or purchase new equipment. Earn pesticide licenses, add safety training or improve protective gear to qualify for additional discounts.
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 business owners commonly ask about insurance costs.
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.
California gardening businesses pay $126 monthly for general liability (versus $113 national average) and $171 for BOP (versus $158 average). New York costs $131 and $186.
Bundling commercial auto, general liability and commercial property coverage with one insurer saves 16% to 24% versus buying policies separately.
Premiums increase due to hazardous chemicals and equipment, extensive property coverage, higher workers' compensation needs, seasonal revenue fluctuations and potential property damage liability.
A higher deductible lowers your monthly premium but means paying more out of pocket when you file a claim. Consider your available cash and how often you expect to file claims before deciding.
Workers' compensation for gardening businesses costs $40 monthly in North Carolina and $54 in New York.
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 buying policies separately.
Shop annually when your policy renews. Compare quotes from multiple insurers to uncover savings, especially after adding employees or expanding services.
Gardening businesses are at risk of equipment damage, chemical liability and property access challenges that generic small business quotes don't address. We designed our methodology around a two-employee operation (three people, including the owner), the most common size when gardening businesses expand beyond solo work and need comprehensive coverage.
Our sample business specifications:
We gathered quotes from insurers offering national coverage with online quote capabilities. This approach reflects how most gardening business owners shop today: comparing options digitally before committing to coverage.
The two-employee model matters because it captures the transition point where you're adding your first workers and juggling new insurance requirements. At this stage, you need workers' compensation coverage, have higher liability exposure from multiple crews and own enough equipment to justify comprehensive property protection. Our quotes reflect these real-world needs instead of bare-minimum policies that leave coverage gaps when you file claims.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
