Operating a landscaping business in Connecticut involves more than just mowing lawns and pruning trees. To build a successful company, landscapers must protect their firm, employees, equipment, and reputation from the myriad risks inherent in this industry. A crucial shield against these perils is insurance tailored specifically for landscapers. This comprehensive guide will uncover expected insurance costs for Connecticut landscaping companies based on their individual size, exposures, services, equipment, and other unique risk characteristics. It also provides insider tips to secure adequate, affordable coverage so you can avoid unexpected losses that could damage your finances and hard-earned business.

For landscapers in Connecticut, having the right landscaper insurance policies is essential. This usually includes general liability coverage for landscapers to protect against third-party claims and workers’ compensation insurance for landscaping businesses to cover employee injuries on the job.

Key Statistics about Landscapers in Connecticut

In Connecticut, landscapers earn average annual salaries of around $46,000, according to the Bureau of Labor Statistics. This compensation is on par with national averages. The southeastern part of the state has the highest concentration of landscaping companies, as this is where more affluent cities and towns are located that demand steady landscaping services.

On average, general liability insurance costs Connecticut landscapers approximately 0.5% to 2% of annual revenue. Workers compensation premiums run around $3.90 per $100 of payroll for landscapers in the state, according to the National Council on Compensation Insurance. However, actual insurance costs can vary substantially based on a company’s specific risk characteristics, claims history, number of employees, equipment values, services provided, and other factors.

Utilizing an independent insurance agent or broker that specializes in the landscaping industry is key for Connecticut contractors to secure adequate, tailored coverage at competitive rates. Landscaping insurance experts have access to top insurance carriers and programs designed specifically for the unique risks and exposures of landscaping contractors. Avoid agents selling generic “one-size-fits-all” small business policies without expertise in landscapers’ risks. A specialist will take the time to thoroughly understand your firm’s individual operations and exposures in order to build a customized insurance portfolio protecting all facets of your company.

Key Factors Influencing Insurance Costs

The main variables impacting Connecticut landscapers’ insurance premiums include:

  • Revenue: In general, higher revenue equals greater exposure and claims potential. This increases premiums across all lines of insurance such as general liability, commercial auto, workers compensation, and property. With more revenue, landscaping contractors take on larger jobs, hire more staff, accumulate more equipment, and become more attractive lawsuit targets, all of which drive up premiums.

  • Payroll Size: The more employees you have, the greater the risks and workers compensation costs. Payroll size directly impacts workers comp premiums, as this coverage is priced per $100 of payroll. Each landscaping employee presents an exposure that must be covered.

  • Claims History: Just as with auto insurance, filing frequent claims for losses will cause insurance premiums to rise. A clean claims history without past losses keeps insurance costs down for landscapers.

  • Services Provided: Specialized or dangerous services like tree removal, slope work, or use of hazardous chemicals carry distinct risks that influence pricing. Insurers classify these activities as higher risk.

  • Equipment Value: The higher the value of your tools and equipment – including machinery, vehicles, trailers, chippers, mowers, and more – the larger the potential payouts for insurers, which increases your premiums.

  • Number of Employees: Larger staffs mean increased risks of liability and workers compensation claims. Each additional employee exposes the business to more potential losses that insurers must cover.

  • Work Zone: Urban construction projects often cost more to insure than suburban or rural work because of higher property values and risk of damages. Jobsites located in high-crime areas also increase premiums in some cases. Insurers classify city centers as more hazardous.

Small Landscaping Business Insurance Costs

For Connecticut landscaping companies with around $150,000 in annual revenue and only 1-2 employees, typical expected insurance costs range:

  • General Liability: $1,900 to $3,500 per year

  • Workers Compensation: $2,600 to $4,500 per year

  • Inland Marine: $1,000 to $1,500 annually to cover tools and equipment

  • Commercial Auto: $2,000 to $3,000 per vehicle per year

Many small landscapers bundle these essential policies together in a commercial package policy, or BOP, which provides convenience and sometimes policy discounts. Total annual premiums for adequate protection often fall between $7,500 to $12,000+ per year for a Connecticut landscaping operation of this size. Costs will rise as payroll expenses, equipment values, number of employees, and overall revenues climb. Proper insurance planning must account for business growth over time.

Medium Landscaping Business Insurance Costs

For a Connecticut landscaping company generating around $500,000 in annual revenue with about 3 employees, typical insurance coverages and costs include:

  • General Liability: $4,900 to $10,800 per year

  • Workers Compensation: $7,800 to $12,800 per year

  • Inland Marine: $2,500 to $5,000 annually to insure equipment

  • Commercial Auto: $3,000 to $4,000 per vehicle per year

In addition to these major lines of insurance, medium-sized landscaping firms often consider higher liability limits as well as additional protection such as professional liability (errors & omissions), cyber liability, and umbrella insurance. Expect total annual premiums ranging from $18,000 to $32,000+ for a properly insured medium-sized landscaping business in Connecticut. Costs vary based on the company’s specific risk characteristics and coverages secured.

Large Landscaping Business Insurance Costs

For larger Connecticut landscaping companies generating around $1 million or more in annual revenue and employing approximately 5 workers, typical insurance needs and costs include:

  • General Liability: $7,900 to $23,700 per year

  • Workers Compensation: $13,000 to $20,100 per year

  • Inland Marine: $5,000 to $10,000 to cover equipment

  • Commercial Auto: $3,500 to $5,000 annually per vehicle

In addition to elevated coverage limits for general liability and auto insurance, bigger firms generally need supplemental insurance policies such as employment practices liability, cyber liability, and professional liability. For robust protection, total annual premiums for a Connecticut landscaping business of this size often range from $28,000 up to $58,000+. Costs vary based on specific risks.

Additional Insurance Coverages to Consider

Beyond the major lines of protection outlined above, Connecticut landscaping contractors should evaluate and discuss the following additional insurance coverages with their agent or broker:

  • Professional Liability (Errors & Omissions): Protects against third-party claims arising from professional mistakes or failure to deliver contracted services. Typical premiums range from $750 to $2,500 per year.

  • Cyber Liability: Covers data breaches, hacking incidents, electronic theft, and other cyber risks and liabilities. Usually $500 to $2,000 annually for small to mid-sized landscapers.

  • Pollution Liability: Insures against bodily injury, property damage, and cleanup costs caused by exposure to or mishandling of pesticides, fertilizers, fuels, oils and other hazardous materials common in landscaping. Typical premiums range from $750 to $2,500+ per year depending on chemicals used and coverage limits.

  • Business Owner’s Policy (BOP): Bundles general liability, commercial property, and inland marine into one policy. Typical premiums range from $2,500 to $7,500+ per year for landscapers, depending on revenue size and claim history. BOPs often provide premium discounts.

  • Employment Practices Liability: Protects against employment-related lawsuits alleging wrongful termination, discrimination, sexual harassment and other claims. Usually $2,000 to $7,000+ per year depending on staff size.

  • Builder’s Risk: Covers materials, equipment, supplies, and property while a landscaping project is underway and still under construction.

How Insurers Determine Landscaper Premiums

Insurance carriers utilize various factors and risk attributes to calculate appropriate premiums based on a landscaping company’s unique operations, assets, services, and exposures. Some key inputs include:

  • Claims history – more past claims mean higher premiums

  • Services provided – dangerous work like tree removal increases costs

  • Equipment used – more expensive equipment leads to higher premiums

  • Staff size – additional employees increase risks

  • Safety protocols – demonstrated safety practices help lower premiums

  • Revenue size – larger revenue equals greater exposure for an insurer

  • Customer contracts – service agreements requiring certain coverage limits or insurance minimums

  • Work zones – urban projects cost more than suburban/rural work

Insurers also conduct thorough risk inspections assessing hazards on clients’ job sites and properties where work is performed. Jobsites with high risks due to terrain, locations near water, steep slopes or other hazards will often lead to higher premiums. Remaining proactive about risk management helps control insurance costs.

Getting the Right Insurance for Your Connecticut Landscaping Business

Partnering with the right insurance professional is critical for landscapers in Connecticut to secure tailored, affordable coverage across all of their unique risk exposures. Avoid agents selling generic small business policies. Instead, work with an independent agent or broker that specializes in landscaping insurance. They will take the time to thoroughly understand your firm’s specific operations, services, equipment, staff, and risk environment.

Specialist agents have access to top insurance carriers like Hortica, Philadelphia Insurance, Farm Family, and others with dedicated landscaping and contractor programs. These experts become trusted advisors providing unmatched expertise to build a customized insurance portfolio protecting your entire business while avoiding gaps in coverage. This provides peace of mind so you can focus entirely on serving customers and growing your Connecticut landscaping operation.


The size, scope, services, equipment, and exposures of a landscaping operation determine the appropriate insurance coverages and premiums for that particular business. Use this comprehensive guide as a starting point when researching expected costs and protection strategies. Verify you properly insure all aspects of your company without overpaying or being underinsured. Most importantly, partner with a landscaping insurance expert to shield your livelihood for years to come. They have the right resources, carrier access, and experience to protect Connecticut landscapers managing inherent daily risks as they beautify properties across the state. With proper insurance planning, you can keep your company flourishing without the dead weight of unexpected perils.