Landscaping Contractor Insurance
Landscaping crews run mowers, trailers, and power equipment at customer properties every day. We place landscaping contractors with carriers that understand maintenance routes, hardscape and irrigation installs, and the equipment that keeps the business running.
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California workers' comp rates rose for policies starting on or after September 1, 2026. See what changed and the 2028 workers' comp deadline.
Where landscaping contractors get hurt by claims
These are the exposures carriers look at first when they price your policy.
Thrown objects and property damage
Rocks from mowers and trimmers that break windows or damage cars are a common general liability claim.
Irrigation and water damage
A broken line or bad irrigation install can damage foundations, walls, and neighboring property.
Equipment theft
Mowers, trimmers, and trailers are frequent theft targets, on job sites and in yards overnight.
Tree work
Tree service is a separate California classification (C-49, formerly C-49 (formerly C-61/D-49)) with its own workers' comp rule. Make sure your license and policy match the work you do.
Coverage most landscaping contractors carry
We package these together so limits line up with your contracts and nothing overlaps.
General liability
Covers property damage and injury claims from your work, including completed hardscape and irrigation.
Workers' compensation
Required once you have employees. Required for every California license starting January 1, 2028.
Commercial auto
Covers trucks and trailers on maintenance routes.
Tools and equipment
Covers mowers, trimmers, blowers, and other equipment against theft and damage.
Contractor license bond
Required to hold or renew your license.
Umbrella
Adds limits for HOA and commercial property contracts that require more.
Landscaping insurance rules by state
California
C-27 landscaping contractors can file a no-employee workers' comp exemption until January 1, 2028. Tree service work falls under C-49 (formerly C-61/D-49), which must carry workers' comp even with no employees.
California contractor insuranceNevada
Landscaping contractors need a Nevada State Contractors Board license for jobs of $1,000 or more, or any job that needs a permit. Workers' comp is required once you have employees.
Nevada contractor insuranceArizona
Landscaping contractors need an Arizona Registrar of Contractors license and a bond for licensed work. Workers' comp is required once you have employees.
Arizona contractor insuranceTexas
Texas has no statewide landscaping license, though irrigation work requires a state license. Workers' comp is optional for most employers, but many HOAs and commercial clients require it.
Texas contractor insuranceLandscaping insurance questions
Do landscapers need workers' comp in California with no employees?+
Not yet for C-27 landscaping contractors with no employees, who can file an exemption with the CSLB until January 1, 2028. Tree service contractors (C-49, formerly C-49 (formerly C-61/D-49)) must carry workers' comp even with no employees.
Does general liability cover a window broken by a mower?+
Generally, yes. Damage to someone else's property from your work, like a rock thrown by a mower, is a typical general liability claim, subject to your deductible and policy terms.
How do I insure my mowers and trailers?+
Equipment is usually covered under an inland marine or contractor's equipment policy, and trailers attached to a truck are addressed on your commercial auto policy. Schedule your equipment at current replacement values.
Do HOAs require specific insurance from landscapers?+
Many do. HOAs and property managers commonly require general liability, workers' comp, auto, additional insured status, and sometimes an umbrella before you can start a maintenance contract.
Get your landscaping insurance quote
Free and no obligation. Most quotes are returned within one business day.