Lawn and landscaping business insurance costs vary significantly across coverage types. MoneyGeek's analysis shows monthly premiums range from $38 for workers' compensation to $177 for business owner's policy (BOP) coverage.
How Much Does Lawn/Landscaping Business Insurance Cost?
Business insurance for lawn and landscaping companies starts at $38 per month. Your specific rate will depend on factors like your business size, location and coverage needs.
Discover cheap lawn/landscaping business insurance below.
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Updated: August 18, 2025
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Key Takeaways
Lawn/landscaping business insurance costs range from $38 to $177 monthly, depending on your coverage type.
Your lawn/landscaping 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 lawn/landscaping business insurance costs.
Average Lawn/Landscaping Business Insurance Cost Overall
| BOP | $177 |
| General Liability | $121 |
| Professional Liability (E&O) | $51 |
| Workers' Comp | $38 |
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.
Lawn/Landscaping Business Insurance Cost for General Liability Coverage by State
Your lawn/landscaping business general liability coverage costs depend on location. Maine and North Carolina offer the most savings at $105 monthly versus the $121 national average, while Louisiana costs $146 monthly.
| Alabama | $119 |
| Alaska | $108 |
| Arizona | $113 |
| Arkansas | $116 |
| California | $135 |
| Colorado | $120 |
| Connecticut | $131 |
| Delaware | $130 |
| Florida | $131 |
| Georgia | $123 |
| Hawaii | $144 |
| Idaho | $115 |
| Illinois | $133 |
| Indiana | $118 |
| Iowa | $115 |
| Kansas | $117 |
| Kentucky | $111 |
| Louisiana | $146 |
| Maine | $105 |
| Maryland | $115 |
| Massachusetts | $127 |
| Michigan | $114 |
| Minnesota | $113 |
| Mississippi | $121 |
| Missouri | $120 |
| Montana | $120 |
| Nebraska | $114 |
| Nevada | $135 |
| New Hampshire | $120 |
| New Jersey | $137 |
| New Mexico | $121 |
| New York | $140 |
| North Carolina | $105 |
| North Dakota | $105 |
| Ohio | $112 |
| Oklahoma | $119 |
| Oregon | $112 |
| Pennsylvania | $139 |
| Rhode Island | $133 |
| South Carolina | $124 |
| South Dakota | $113 |
| Tennessee | $118 |
| Texas | $122 |
| Utah | $114 |
| Vermont | $116 |
| Virginia | $110 |
| Washington | $137 |
| West Virginia | $127 |
| Wisconsin | $119 |
| Wyoming | $112 |
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.
Lawn/Landscaping Business Insurance Cost for Workers’ Compensation Coverage by State
Your lawn and landscaping business cost for workers' compensation varies by state. Maine offers the lowest rates at $33 monthly while Pennsylvania charges the highest at $43 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
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.
Lawn/Landscaping Business Insurance Cost for Professional Liability Coverage by State
Like other types of coverage, your lawn and landscaping business's cost for professional liability varies by state. The national average is $52 monthly, with North Carolina offering the lowest rates at $45 for E&O insurance, while New York charges the highest 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 |
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.
Lawn/Landscaping Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show substantial variation in lawn care business insurance costs nationwide. Monthly premiums range from $153 in North Dakota to $214 in Hawaii for the same 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 |
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 Lawn/Landscaping Business Insurance Cost
Insurance costs for your lawn care business are based on several factors that insurance companies review to set rates. Understanding these elements helps with accurate budget planning. We explain these factors in detail below.
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, while state-specific regulations create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single customer injury or property damage 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 yards. Maintaining corporate campuses or public spaces exposes your business to more foot traffic and potential claims than 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, and chemical application carry higher risks than basic lawn maintenance. Companies offering specialized services like tree trimming or irrigation system installation face higher premiums than those providing only mowing and edging services.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo landscaper earning $50,000 annually pays less than a commercial 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-grade riding mowers and specialized tree service equipment will pay more for coverage than one using basic push mowers and hand 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 Lawn/Landscaping Business Insurance
Smart lawn care business owners can reduce their insurance costs through strategic shopping and proven risk management practices, and we've outlined the top methods below to help lower your premiums.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your landscaping company needs prevents overpaying for unnecessary coverage. General liability protects against customer property damage and injuries. Workers compensation covers employee injuries, while commercial auto insurance protects company vehicles used for lawn care services.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three different companies to find the best rates. Consider working with an independent agent who can handle quote comparisons for your landscaping business.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and commercial auto 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 before insurance kicks in, but you'll save on regular payments. Consider your business cash flow when selecting deductible amounts.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Many insurance companies offer discounts for paying your full premium annually. This upfront payment eliminates extra fees and often results in notable savings.
- 6
Review and adjust your coverage annually
Your insurance needs change as your landscaping business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services offered.
Insurance for Lawn/Landscaping Business Cost: Bottom Line
Lawn/Landscaping business insurance costs range from $38 to $177 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.
Lawn/Landscaping Business Insurance Cost: FAQ
Based on our research of lawn/landscaping business insurance costs, we compiled answers to the most common questions from business owners below.
What is the cheapest type of lawn/landscaping business insurance?
Workers' compensation insurance costs $38 monthly for lawn care businesses. However, most landscaping companies need general liability insurance ($121 monthly) to protect against customer injuries and property damage.
How much can I save by bundling my lawn/landscaping business insurance policies?
Bundling policies through a BOP offers the most cost-effective insurance solution. Many insurers provide discounts when combining multiple coverage types into one package.
What factors make my lawn/landscaping business insurance more expensive?
Tree removal services, chemical applications, a poor claims history, more employees, expensive equipment, commercial properties and poor credit scores can increase insurance costs.
General liability coverage costs $121 per month, making it one of the most budget-friendly options for lawn/landscaping businesses while providing essential protection against common risks.
Should I choose a $500 or $2,500 deductible for my lawn/landscaping business insurance?
Higher deductibles lower your monthly premiums significantly. Choose a $2,500 deductible if you have strong cash reserves and rarely file claims. Pick $500 if you need frequent coverage.
How much does workers' compensation cost for lawn/landscaping businesses by state?
Workers' compensation costs for landscaping businesses vary by state, ranging from $33 monthly in Maine to $43 monthly in Pennsylvania, helping companies plan their insurance expenses accordingly.
Is business owner's policy (BOP) worth the extra cost for lawn/landscaping companies?
A business owner's policy costs $177 monthly and bundles general liability, commercial property and business interruption coverage. This package delivers more value than purchasing individual policies separately, particularly for growing landscaping companies.
How often should I shop around for lawn/landscaping business insurance quotes?
Review your lawn care business insurance annually during renewal. Compare at least three insurers to find better rates, particularly if your business has grown or changed services.
How We Determined Lawn/Landscaping Business Insurance Costs
We collected lawn/landscaping 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 lawn/landscaping 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 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.