Insurance for Texas Landscaping Contractors
Landscaping contractors face a unique mix of risks — from property damage with mowers and trimmers to employee injuries from equipment and heat exposure. We work with landscaping companies across Texas, from residential lawn care operations to commercial property maintenance crews. Whether you're mowing lawns or doing full landscape installations, we'll find the right coverage at the right price.
Key Risks
- ⚠Property damage from mowers, trimmers, and blowers — rocks through windows, damaged sprinkler heads
- ⚠Flying debris causing injury to bystanders or vehicle damage
- ⚠Employee injuries from equipment, heat, and repetitive motion
- ⚠Chemical application liability (fertilizers, pesticides)
- ⚠Vehicle and trailer accidents
- ⚠Irrigation system damage to underground utilities
Required Coverages
General Liability
Covers property damage and injury from landscaping operations. Your must-have.
Workers Compensation
Covers employee injuries from equipment use and heat exposure.
Commercial Auto
Covers trucks, trailers, and mower transport.
Tools and Equipment
Protects mowers, trimmers, blowers, and landscaping equipment.
Job Requirements
- ✓Property management companies require GL and workers comp
- ✓HOAs require proof of insurance from landscaping contractors
- ✓Commercial properties require COIs
- ✓Pesticide application may require additional licensing and coverage
Frequently Asked Questions
Does landscaper insurance cover pesticide application?
Standard GL may exclude chemical application. If you apply pesticides or herbicides, you may need a pollution liability endorsement and proper licensing.
How much does landscaping insurance cost?
GL for a small landscaping operation typically starts around $600 to $1,500 per year. Costs increase with crew size, equipment value, and services offered.