As a landscaping business owner in Arkansas, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the insurance coverages Arkansas landscapers need, including costs based on our analysis of actual quotes from leading carriers.
Find detailed guidance on landscaper liability protection in our comprehensive overview.
General Liability Insurance for Arkansas Landscapers
Based on our analysis of over 1,000 landscaper quotes from leading carriers, here are the typical general liability insurance costs for Arkansas landscapers:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $1,100 | 0.7% | $500 | 55% |
| $500K | $2,700 | 0.5% | $900 | 67% |
| $1M | $4,800 | 0.5% | $2,000 | 58% |
These premiums assume:
- Clean claims history (5+ years without incidents)
- Standard $1M/$2M coverage limits
- Approximately 10% subcontractor costs
Coverage includes:
- Property damage during landscaping work
- Bodily injury to clients or bystanders
- Products and completed operations (as add-on)
- Faulty workmanship coverage (as add-on)
Worker’s Compensation Insurance for Arkansas Landscapers
Arkansas requires workers’ compensation insurance for landscaping businesses with 3 or more employees. Based on our analysis:
- Average cost per employee: $3,680 annually
- Cost per $100K of payroll: $1,900
Key factors affecting premiums:
- Job classification codes (primarily 0042 for landscaping)
- Total payroll
- Claims history
- Safety programs
- Experience modifier rating
Additional Business Insurance for Landscapers in Arkansas
1. Commercial Auto Insurance
- Annual premiums: $1,500-$3,050 per vehicle
- Standard coverage: $100K per person, $300K per accident, $100K property damage
- Higher limits ($500K-$1M) recommended for larger operations
2. Tools & Equipment Insurance
- Annual premiums: $200-$2,000
- Coverage options: $5,000-$15,000+
- Typical per-item limit: $5,000
- Protects equipment during transport and at job sites
3. Surety Bonds
Bond costs based on credit rating:
| Bond Amount | Excellent Credit | Good Credit | Bad Credit |
|---|---|---|---|
| $5,000 | $100-$150 | $150-$200 | $200-$400 |
| $10,000 | $100-$300 | $300-$500 | $500-$1,000 |
| $15,000 | $150-$400 | $400-$750 | $750-$1,500 |
4. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Protects buildings, contents, and equipment
- Coverage for fire, theft, vandalism, weather damage
5. Business Owner’s Policy (BOP)
- Combines general liability and property coverage
- Often more cost-effective than separate policies
- Ideal for landscapers with physical locations
Get Arkansas Landscaper Liability with ContractorNerd
ContractorNerd makes landscaper insurance simple and data-driven through:
- Instant online quotes from top-rated carriers
- Side-by-side coverage comparisons
- Landscaping-specific expertise
- Streamlined application process
- Ongoing policy management
- Claims advocacy when needed
Our analysis shows potential savings of:
| Business Size | Potential Savings |
|---|---|
| Small ($150K) | 25-45% |
| Mid ($500K) | 35-50% |
| Large ($1M+) | 35-50% |
Contact our landscaping insurance specialists today to optimize your coverage and find competitive rates through our carrier network.