What insurance does a landscaper need?

GL, workers comp, commercial auto on trucks and trailers, inland marine on mowers and equipment, and pollution liability when applying chemicals. Most landscapers carry $1M / $2M GL plus $1M umbrella for commercial accounts.

How much does landscaping insurance cost?

Premium depends on revenue, crew size, equipment value, claims history, and chemical exposure. Solo lawn care starts near $1,500/yr for GL; larger landscaping operations pay $4,000-$12,000+ for the package.

Is pesticide application covered under standard GL?

No — standard GL excludes pollution and chemical exposure. Pollution liability is a separate line that covers cleanup and third-party damage from pesticide and fertilizer applications.

Are mowers and trimmers covered?

Yes — inland marine schedules each mower, trimmer, and blower at agreed value. Theft from trailers and trucks is a primary covered peril.

What about seasonal labor in non-FL states?

Workers comp must be in place for seasonal labor in most states. We schedule seasonal crews so the premium reflects actual peak-month payroll. Florida operations are essentially year-round.

Do you cover irrigation contractors?

Yes — irrigation is scheduled under landscaping or as a separate trade depending on scope. Trenching and excavation exposures are addressed during underwriting.

How fast can I get a certificate for a property manager?

Once your policy is bound, certificates and additional insured endorsements typically issue within 24 hours of the request.

Florida contractors on a commercial job site

Veteran-Owned · DeLand, Florida

Landscaping Contractor Insurance

Annual commercial package for landscaping contractors — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.

Get a Landscaping Contractor Insurance Quote Call (386) 775-1781

Veteran-Owned
100+ Yrs Experience
Fast Certificates
Real Agents
Florida Experts

Veteran-Owned
Independent agency
100+ Years Combined
Commercial expertise
Florida-Resident
DeLand, FL office
24-Hour COIs
Most certificates same business day

Trusted Carrier Partners

Why First Commercial

Why Florida Businesses Choose Us

We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.

Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.

Who we cover

Landscaping operations span a wide range — from solo lawn-care to multi-crew commercial grounds maintenance and irrigation contractors. The exposure profile centers on equipment (mowers, trimmers, blowers worth $5K-$30K per crew), seasonal labor management, and (where applicable) pesticide and chemical handling. Florida operations face year-round exposure rather than seasonal, which changes payroll and claims patterns.

Landscaping Contractor-specific exposures

Mower and trimmer projectile damage to property and bystanders
Pesticide and chemical exposure (regulated; pollution liability often required)
Equipment theft from trailers and trucks
Seasonal labor management and workers comp class assignment
Slip-and-fall on irrigated or freshly treated turf

Coverage components for landscaping contractors

General liability with pesticide/chemical exposure addressed
Workers compensation — landscaping carries an above-average NCCI class code
Commercial auto on trucks and trailers (often hired-and-non-owned for crew vehicles)
Inland marine on mowers, trimmers, blowers — typically $10K-$50K scheduled
Pollution liability when applying pesticides or fertilizers

Florida landscaping contractor licensing notes

Florida landscape contracting licensing varies by scope. Limited Pesticide Applicator and Commercial Pesticide Applicator licenses are required for chemical application. We confirm license currency during underwriting.

Need a contractor certificate for a job site?

Request a Certificate

Subcontractor considerations

If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.

What affects your premium

Annual revenue and payroll
Largest project value handled
Residential vs commercial vs new-construction percentage mix
Use of subcontractors (and their coverage status)
Claims history
Years in business and license currency
State of operation
Tool and equipment value (drives inland marine)

Frequently asked questions

Talk to a landscaping contractor insurance specialist

Call (386) 775-1781