Landscaping can range from basic lawn maintenance to tree removal, pesticide application, excavation, snow work, and landscape construction. Those services do not carry the same insurance exposure or price.
- Describe your operations accurately
- Match limits, deductibles and policy forms
- Confirm requirements with a licensed professional
Landscaping can range from basic lawn maintenance to tree removal, pesticide application, excavation, snow work, and landscape construction. Those services do not carry the same insurance exposure or price.
Important: This guide provides general educational information, not legal, tax, or insurance advice. Requirements and policy terms vary. Consult a licensed professional about your situation.
Separate services and revenue
Provide revenue percentages for mowing, maintenance, design, irrigation, hardscaping, tree work, snow removal, excavation, and chemical application. Identify maximum working height, equipment, trailers, and subcontracted operations.
Coverage to evaluate
Depending on the operation, relevant categories may include general liability, commercial auto, workers’ compensation, inland marine for equipment, property, pollution or pesticide-related coverage, and umbrella limits.
- Owned and rented mobile equipment
- Trailers, trucks, and driver records
- Employee duties and seasonal payroll
- Chemical storage and application
- Tree height and excavation depth
Seasonality and audits
Seasonal payroll and rapidly changing crews can affect estimates and audits. Maintain payroll by duty, certificates for subcontractors, equipment schedules, and records of services added during the term. Notify the insurer before expanding into materially different work.
Compare the real first-year cost
Premium is only one line of a proposal. Add fees and installment charges, then compare equivalent coverage.
Open the quote calculatorSources and further reading
We prioritize government, regulatory, and established consumer-education sources. External pages may change after our review.
Research reviewed on August 2, 2026. Prices and requirements can change; this page does not provide a quote.