Lawn/landscaping insurance averages $97 monthly, ranging from $33 to $214 based on the coverage and location you choose for your business.
Get matched with cheap lawn/landscaping business insurance below.
Updated: November 12, 2025
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Lawn/landscaping business insurance costs between $391 to $2,572 annually, varying by coverage type, state and specialty services.
Premium costs for your lawn/landscaping business depend on your location, past claims, the types of service you provide and staff size.
Shop multiple business insurers, combine policies, raise deductibles and pay yearly to lower your landscaping insurance expenses.
Average business insurance costs for lawn/landscaping companies are:
| BOP | $177 | $2,124 |
| General Liability | $121 | $1,453 |
| Professional Liability (E&O) | $51 | $616 |
| Workers Comp | $38 | $452 |
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.
Select your industry and state to get a customized quote.
Your lawn/landscaping business's cost for general liability insurance varies by location. Maine has the lowest rates at $105 monthly, well below the $121 national average. Louisiana costs $146 monthly.
| Alabama | $119 | $1,424 |
| Alaska | $108 | $1,291 |
| Arizona | $113 | $1,358 |
| Arkansas | $116 | $1,390 |
| California | $135 | $1,614 |
| Colorado | $120 | $1,437 |
| Connecticut | $131 | $1,575 |
| Delaware | $130 | $1,560 |
| Florida | $131 | $1,569 |
| Georgia | $123 | $1,472 |
| Hawaii | $144 | $1,728 |
| Idaho | $115 | $1,374 |
| Illinois | $133 | $1,591 |
| Indiana | $118 | $1,414 |
| Iowa | $115 | $1,380 |
| Kansas | $117 | $1,408 |
| Kentucky | $111 | $1,330 |
| Louisiana | $146 | $1,752 |
| Maine | $105 | $1,256 |
| Maryland | $115 | $1,383 |
| Massachusetts | $127 | $1,521 |
| Michigan | $114 | $1,373 |
| Minnesota | $113 | $1,359 |
| Mississippi | $121 | $1,456 |
| Missouri | $120 | $1,436 |
| Montana | $120 | $1,443 |
| Nebraska | $114 | $1,371 |
| Nevada | $135 | $1,624 |
| New Hampshire | $120 | $1,442 |
| New Jersey | $137 | $1,642 |
| New Mexico | $121 | $1,458 |
| New York | $140 | $1,682 |
| North Carolina | $105 | $1,256 |
| North Dakota | $105 | $1,260 |
| Ohio | $112 | $1,345 |
| Oklahoma | $119 | $1,429 |
| Oregon | $112 | $1,347 |
| Pennsylvania | $139 | $1,670 |
| Rhode Island | $133 | $1,592 |
| South Carolina | $124 | $1,493 |
| South Dakota | $113 | $1,355 |
| Tennessee | $118 | $1,414 |
| Texas | $122 | $1,462 |
| Utah | $114 | $1,363 |
| Vermont | $116 | $1,392 |
| Virginia | $110 | $1,320 |
| Washington | $137 | $1,648 |
| West Virginia | $127 | $1,521 |
| Wisconsin | $119 | $1,423 |
| Wyoming | $112 | $1,341 |
Note: We based these general liability rates on lawn/landscaping businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of services you provide.
Workers' compensation insurance for lawn and landscaping businesses ranges from $33 monthly in Maine to $43 in Pennsylvania. State regulations and claim history explain why Pennsylvania rates run $10 higher.
| Alabama | $37 |
| Alaska | $35 |
| Arizona | $36 |
| Arkansas | $36 |
| California | $42 |
| Colorado | $37 |
| Connecticut | $41 |
| Delaware | $41 |
| Florida | $41 |
| Georgia | $38 |
| Hawaii | $40 |
| Idaho | $36 |
| Illinois | $41 |
| Indiana | $37 |
| Iowa | $36 |
| Kansas | $36 |
| Kentucky | $35 |
| Louisiana | $43 |
| Maine | $33 |
| Maryland | $36 |
| Massachusetts | $39 |
| Michigan | $35 |
| Minnesota | $35 |
| Mississippi | $38 |
| Missouri | $38 |
| Montana | $37 |
| Nebraska | $35 |
| Nevada | $43 |
| New Hampshire | $38 |
| New Jersey | $43 |
| New Mexico | $37 |
| New York | $43 |
| North Carolina | $33 |
| Oklahoma | $35 |
| Oregon | $35 |
| Pennsylvania | $43 |
| Rhode Island | $41 |
| South Carolina | $39 |
| South Dakota | $35 |
| Tennessee | $37 |
| Texas | $38 |
| Utah | $36 |
| Vermont | $36 |
| Virginia | $34 |
| West Virginia | $39 |
| Wisconsin | $37 |
Note: We based these workers' comp rates on lawn/landscaping businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
State location affects your professional liability cost. Businesses nationwide pay around $51 monthly for this coverage. North Carolina offers the most affordable rates at $45 monthly, while New York businesses have the steepest costs at $61 monthly.
| Alabama | $50 |
| Alaska | $47 |
| Arizona | $49 |
| Arkansas | $49 |
| California | $57 |
| Colorado | $50 |
| Connecticut | $56 |
| Delaware | $56 |
| Florida | $56 |
| Georgia | $52 |
| Hawaii | $54 |
| Idaho | $50 |
| Illinois | $56 |
| Indiana | $50 |
| Iowa | $50 |
| Kansas | $50 |
| Kentucky | $49 |
| Louisiana | $58 |
| Maine | $45 |
| Maryland | $49 |
| Massachusetts | $54 |
| Michigan | $48 |
| Minnesota | $49 |
| Mississippi | $52 |
| Missouri | $50 |
| Montana | $50 |
| Nebraska | $48 |
| Nevada | $59 |
| New Hampshire | $51 |
| New Jersey | $58 |
| New Mexico | $51 |
| New York | $61 |
| North Carolina | $45 |
| North Dakota | $45 |
| Ohio | $47 |
| Oklahoma | $47 |
| Oregon | $47 |
| Pennsylvania | $60 |
| Rhode Island | $56 |
| South Carolina | $52 |
| South Dakota | $48 |
| Tennessee | $50 |
| Texas | $51 |
| Utah | $49 |
| Vermont | $48 |
| Virginia | $46 |
| Washington | $60 |
| West Virginia | $54 |
| Wisconsin | $52 |
| Wyoming | $48 |
Note: We based these professional liability rates on lawn/landscaping businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Lawn and landscaping business insurance costs vary based on your state, with business owner's policy (BOP) coverage showing the biggest price differences. BOP insurance cost ranges from $153 in North Dakota to $214 in Hawaii for the same coverage.
North Dakota has the lowest rates at $153 monthly, while Hawaii has the highest premiums at $214 per month. This $61 monthly difference adds up to $732 annually.
Maine, North Carolina and Alaska also offer affordable rates at $153, $154 and $158 monthly. Louisiana ($209), New York ($207) and Pennsylvania ($204) join Hawaii as the most expensive states for BOP coverage.
| Alabama | $173 |
| Alaska | $158 |
| Arizona | $166 |
| Arkansas | $169 |
| California | $197 |
| Colorado | $176 |
| Connecticut | $192 |
| Delaware | $193 |
| Florida | $192 |
| Georgia | $177 |
| Hawaii | $214 |
| Idaho | $166 |
| Illinois | $197 |
| Indiana | $171 |
| Iowa | $168 |
| Kansas | $171 |
| Kentucky | $166 |
| Louisiana | $209 |
| Maine | $153 |
| Maryland | $168 |
| Massachusetts | $185 |
| Michigan | $169 |
| Minnesota | $166 |
| Mississippi | $174 |
| Missouri | $175 |
| Montana | $178 |
| Nebraska | $170 |
| Nevada | $192 |
| New Hampshire | $170 |
| New Jersey | $199 |
| New Mexico | $178 |
| New York | $207 |
| North Carolina | $154 |
| North Dakota | $153 |
| Ohio | $166 |
| Oklahoma | $175 |
| Oregon | $166 |
| Pennsylvania | $204 |
| Rhode Island | $195 |
| South Carolina | $182 |
| South Dakota | $163 |
| Tennessee | $174 |
| Texas | $176 |
| Utah | $169 |
| Vermont | $168 |
| Virginia | $158 |
| Washington | $205 |
| West Virginia | $186 |
| Wisconsin | $173 |
| Wyoming | $160 |
Note: We based these BOP rates on lawn/landscaping businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Lawn and landscaping business insurance costs vary widely by provider, ranging from $54 to $157 monthly. These price differences reflect each insurer's market focus and risk appetite.
| Chubb | $103 | $1,238 |
| Coverdash | $82 | $983 |
| Hiscox | $157 | $1,880 |
| NEXT Insurance | $146 | $1,748 |
| Nationwide | $71 | $852 |
| Progressive Commercial | $82 | $980 |
| Simply Business | $73 | $876 |
| The Hartford | $80 | $963 |
| Thimble | $54 | $643 |
| biBERK | $131 | $1,578 |
Lawn and landscaping business insurance costs vary based on multiple factors insurers consider when determining your premium rates.
Growing seasons and local regulations play into what you'll spend on coverage. Businesses in year-round warm climates handle constant mowing schedules, while those in regions with snow removal needs juggle entirely different seasonal risks.
Flying rocks from mowers and equipment mishaps create real hazards in this line of work. Prior claims for broken windows, vehicle damage or worker injuries affect your renewal quotes for multiple seasons ahead.
Maintaining residential yards presents straightforward risk compared to managing commercial properties. Golf courses, municipal parks and shopping center grounds involve larger equipment, more crew members and bigger liability exposure.
Your annual revenue tells insurers about your exposure to loss. A weekend side business clearing $40,000 presents different risk than a full-scale landscaping outfit with $350,000 in contracts.
Weekly mowing sits at the lower end of the risk spectrum for this trade. Branch into tree removal, retaining wall construction or pesticide application, and you're entering territory that demands enhanced insurance protection.
How much business you do annually tells insurers about your exposure to loss. A weekend side business clearing $40,000 presents vastly different risk than a full-scale landscaping outfit with $350,000 in contracts.
Commercial clients often require minimum insurance levels before signing contracts. Choosing $1 million in liability covers residential work, but landing HOA or municipal contracts often demands doubling or tripling that amount.
Riding mowers, edgers, blowers and transport trucks accumulate real value quickly. Operations running commercial zero-turns and multiple trailer setups need more property protection than someone starting out with walk-behind equipment.
Credit history factors into underwriting decisions across most insurance markets. Clean credit often translates to preferred pricing, while past financial troubles can result in premium increases that impact your competitive position.
Lower your lawn and landscaping business insurance costs with careful planning and smart financial decisions. Follow cost-saving strategies to secure affordable coverage for your lawn care or landscaping company while strengthening your risk profile.
Your landscaping business needs general liability to cover property damage when rocks fly or equipment strikes something, commercial auto for trucks hauling mowers and trailers, and inland marine for equipment you move between job sites.
You'll also want workers' compensation to cover crew injuries, pollution liability if you use chemicals or fertilizers, and completed operations coverage when problems like poor grading cause drainage issues months after you finish the job.
Your premiums change based on what you offer: basic mowing, full landscape design and installation, or specialized work like irrigation and hardscaping.
Insurers that focus on green industry businesses understand your seasonal income patterns and risks like mower blade injuries. General business insurers don't get these specifics.
Bundle general liability, commercial auto and equipment coverage to save 18% to 25% compared to buying each policy separately. Most insurers offer landscaping packages with chemical application liability and property damage protection already bundled at lower rates.
Higher equipment deductibles of $1,000 to $2,500 can reduce premiums by 19% to 27%, which works for established companies with well-maintained fleets. Keep general liability deductibles low since property damage from mowers throwing debris, hitting sprinkler heads or damaging landscape lighting happens frequently.
Monthly payments add 5% to 10% in fees that eat into what you earn per lawn. Pay annually to skip these fees and get 6% to 9% discounts. On a $4,500 policy, you'll save $270 to $570 you can spend on new equipment or more clients.
Update your policy when you hire more crew members, buy big equipment like excavators or aerators, or start offering tree services, snow removal or irrigation work.
You might qualify for discounts if you have pesticide applicator licenses, safety certifications or GPS tracking on your equipment.
Lawn and landscaping business insurance costs between $33 and $214 per month, depending on your location, claims history and company size. Lower your premiums by comparing quotes from several insurers, bundling policies, selecting higher deductibles and paying annually instead of monthly.
Check answers to common questions about lawn and landscaping insurance costs below:
Professional liability coverage is the most affordable at $51 monthly, though it only covers errors and omissions. Most lawn and landscaping companies need general liability coverage ($121 monthly) for protection against customer injuries and property damage lawsuits.
You'll pay more in expensive states. General liability in California runs $135 monthly versus $121 national average, and BOP costs $197 monthly versus $177 average. New York has similar rates at $140 and $207.
Combining multiple policies with one insurer saves more than purchasing coverage separately. Insurers offer discounts when you bundle commercial auto, general liability and commercial property insurance together.
High-risk equipment, previous claims, larger workforce, hazardous services, poor credit and operating in areas with frequent weather damage increase premiums.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Consider your business's finances and expected claim frequency when deciding.
Workers' compensation costs for lawn and landscaping businesses vary by state, spanning from $33 monthly in Maine to $43 monthly in Pennsylvania.
Yes, BOP insurance makes sense for lawn and landscaping companies. You'll pay $177 monthly for bundled general liability, commercial property, and business interruption coverage. The package costs less than buying three separate policies and keeps everything in one place.
Shop annually when your policy renews. Compare quotes from multiple insurers to find savings, especially after expanding your workforce or adding new services.
Lawn and landscaping businesses need accurate cost data to budget properly and choose the right coverage. We collected quotes from companies across different states to show what you'll actually pay for insurance.
Every quote used the same business setup:
Our sample profile represents a small lawn/landscaping business needing comprehensive coverage. We selected companies with broad national coverage and online quote capabilities, focusing on insurers that serve the lawn/landscaping 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.
