Gardening business insurance costs vary across coverage types, helping you plan your budget effectively. Monthly premiums range from $40 for professional liability to $158 for business owner's policy (BOP) coverage.
How Much Does Gardening Business Insurance Cost?
Business insurance for gardening companies starts at $40 per month, but your specific business details will determine your actual rate.
Discover cheap gardening business insurance below.
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Updated: August 15, 2025
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Key Takeaways
Gardening business insurance costs range from $40 to $158 monthly, with general liability averaging $113 and business owner's policies reaching $158.
Your gardening insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable gardening business insurance costs.
Average Gardening Business Insurance Cost Overall
| BOP | $158 |
| General Liability | $113 |
| Professional Liability (E&O) | $40 |
| Workers Comp | $47 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Gardening Business Insurance Cost for General Liability Coverage by State
Your gardening business insurance cost for general liability coverage depends on where you operate. Alaska offers the most savings at $89 monthly (versus the $113 national average), while New York costs $131 monthly.
| Alabama | $111 |
| Alaska | $89 |
| Arizona | $107 |
| Arkansas | $108 |
| California | $126 |
| Colorado | $112 |
| Connecticut | $123 |
| Delaware | $121 |
| Florida | $122 |
| Georgia | $115 |
| Hawaii | $121 |
| Idaho | $107 |
| Illinois | $124 |
| Indiana | $110 |
| Iowa | $108 |
| Kansas | $110 |
| Kentucky | $105 |
| Louisiana | $127 |
| Maine | $98 |
| Maryland | $108 |
| Massachusetts | $118 |
| Michigan | $107 |
| Minnesota | $106 |
| Mississippi | $113 |
| Missouri | $112 |
| Montana | $112 |
| Nebraska | $107 |
| Nevada | $128 |
| New Hampshire | $112 |
| New Jersey | $128 |
| New Mexico | $114 |
| New York | $131 |
| North Carolina | $98 |
| North Dakota | $98 |
| Ohio | $105 |
| Oklahoma | $106 |
| Oregon | $105 |
| Pennsylvania | $130 |
| Rhode Island | $124 |
| South Carolina | $116 |
| South Dakota | $106 |
| Tennessee | $110 |
| Texas | $114 |
| Utah | $108 |
| Vermont | $108 |
| Virginia | $103 |
| Washington | $128 |
| West Virginia | $118 |
| Wisconsin | $111 |
| Wyoming | $104 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Gardening Business Insurance Cost for Workers’ Compensation Coverage by State
Your gardening business's cost for workers' compensation varies by state. Maine and North Carolina offer the lowest rates at $41 monthly and New York the highest at $54 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Gardening Business Insurance Cost for Professional Liability Coverage by State
Professional liability insurance rates vary significantly by state, just like other business coverage types. Our analysis shows the national average cost for professional liability is $40 monthly. North Carolina offers the lowest rates at $35 for E&O insurance, while New York charges $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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Gardening Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for gardening businesses across states. Monthly coverage in New York costs $186, while Alaska businesses pay just $122 for the same protection.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Gardening Business Insurance Cost
Insurance companies look at several factors to set your gardening business insurance rates. Understanding these cost factors helps you plan your budget better. Below, we explain how different elements affect your insurance costs.
Geographic Location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas prone to severe storms or drought increases your risk profile, and state differences create substantial premium variations.
Safety Record and Claims History
Previous claims impact future premiums, sometimes for three to five years. A single customer injury claim can substantially increase your general liability rates at renewal.
Types of Properties Serviced
Commercial properties and government facilities typically carry higher liability risks than residential properties. Maintaining grounds at schools or hospitals requires additional insurance protection compared to private home landscaping.
Employee Count and Payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services Offered
Tree removal, hardscaping installation and chemical application carry different risk levels. A company offering only basic lawn maintenance faces lower premiums than one providing complete landscape construction services.
Business Size and Revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a solo landscaper earning $50,000 annually will pay less than a full-service landscaping company with $500,000 in revenue.
Coverage Limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and Vehicle Values
More expensive landscaping equipment and vehicles require higher coverage limits, increasing your premiums. A company using commercial mowers, excavators and trucks worth hundreds of thousands will pay more for equipment coverage than one using basic tools.
Credit Score and Financial Stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Gardening Business Insurance
Smart shopping and risk management strategies can lower your gardening business insurance costs significantly. Here are proven ways to reduce your premiums now and build a stronger insurance profile over time.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your gardening company needs prevents overpaying for unnecessary coverage. General liability protects against customer property damage while working on their landscapes. Consider additional coverage for your equipment and vehicles used for transportation between job sites.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle comparison shopping for your gardening business.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and vehicle coverage with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for smaller claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Most insurance providers add processing fees for monthly payments. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your gardening business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Gardening Business Cost: Bottom Line
Gardening business insurance costs range from $40 to $158 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Gardening Business Insurance Cost: FAQ
Business owners frequently ask about gardening business insurance costs, so we've answered common questions about coverage and premiums below.
What is the cheapest type of gardening business insurance?
Workers' compensation insurance costs $47 monthly, making it the most affordable option for gardening businesses. Most gardening companies need general liability coverage ($113 monthly) to protect against customer injuries and property damage claims.
How much can I save by bundling my gardening business insurance policies?
Bundling business insurance policies through a BOP offers better value than purchasing separate coverages. Many insurers provide discounts when combining multiple types of coverage.
What factors make my gardening business insurance more expensive?
General liability insurance costs around $113 per month, making it the most cost-effective coverage option for gardening businesses seeking basic protection against common risks.
Should I choose a $500 or $2,500 deductible for my gardening business insurance?
Higher deductibles mean lower monthly premiums but require more money upfront when filing claims. Consider your available cash and claim likelihood when choosing between $500 and $2,500.
How much does workers' compensation cost for gardening businesses by state?
Workers' compensation rates for gardening businesses vary by state, ranging from $40 monthly in North Carolina to $54 monthly in New York, helping companies plan location-based expenses.
Is business owner's policy (BOP) worth the extra cost for gardening companies?
BOP insurance combines essential coverages like general liability and commercial property. This bundled approach offers better value than purchasing individual policies.
How often should I shop around for gardening business insurance quotes?
You should compare insurance quotes annually when your policy is up for renewal. Getting multiple quotes helps secure better rates, particularly if your business has grown or changed.
How We Determined Gardening Business Insurance Costs
We collected gardening business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people 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
This profile represents small gardening businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.