General liability for a small landscaping business runs about $50 to $150 a month — roughly $600 to $1,800 a year. A bundled business owner's policy costs a bit more, and workers' comp adds per employee once you hire. The exact number depends on your revenue, your crew size, and how risky your services are.
We run our own home-service companies, so we know insurance feels like dead money until the day a mower throws a rock through a window. This page gives the real ranges, what moves the price, and the coverage a small crew actually needs — not an upsell to the biggest policy.
The core policy. Covers damage to a client's property and injury to others. The one most clients and HOAs require before you set foot on the property. Start here.
Bundles liability with equipment and sometimes business property. Often cheaper than buying the pieces separately once you own real gear.
Required for trucks and trailers used for work. Personal auto won't cover a crash on the job, so this isn't optional once you're hauling equipment.
Required in most states once you hire. Cost scales with payroll and the risk class of the work. Solo operators are usually exempt, but check your state.
Don't over-buy coverage you'll never use. For a one or two person mowing-and-maintenance operation, keep it lean:
Skip workers' comp until you hire, and skip the high-limit umbrella policy until your contracts demand it. Get quotes from two or three carriers — landscaping rates vary a lot, and shopping it can cut your premium meaningfully. This is general guidance, not insurance advice.
Insurance is a cost of doing the work. Getting the work is a different problem: showing up when homeowners search "landscaping near me," with reviews and a license number that earn the quote. Listing "fully insured" on your site is also a real trust signal that helps close.
A hand-built site with AI lead capture starts at $249/month, and you own it. See landscaping website design, landscaping SEO, the AI receptionist, or what local SEO costs.
We don't post stock testimonials. On a 15-minute call we screen-share the real dashboards behind our own businesses — live leads, rankings, and the exact page that produced each one. See the proof →
A $1M per-occurrence limit is standard and satisfies most clients. Commercial and HOA contracts sometimes require $2M, so read the contract before buying.
Not under basic liability. You need inland marine or equipment coverage, often inside a business owner's policy, to protect mowers and tools from theft or damage.
Shop multiple carriers, bundle policies into a BOP, keep a clean claims record, and match limits to what you actually need. Don't pay for coverage no contract requires.
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