Understanding landscaper insurance costs across different states is crucial for budgeting and business planning. Our comprehensive analysis of over 900 landscaper insurance quotes from top insurers reveals significant variations in premiums based on location and business size.
The data demonstrates that landscapers can achieve substantial savings by shopping for competitive rates, with potential savings ranging from 12% to 77% between favorable and higher-end premiums. Premium rates typically range from 0.3% to 6.4% of annual revenue, with larger businesses generally paying a lower percentage of revenue for coverage.
This guide presents actual market data reflecting these business characteristics:
- $150K Revenue: Single owner, ~10% subcontractor costs, 5+ years claims-free operation
- $500K Revenue: Owner plus 3 employees, ~10% subcontractor costs, 5+ years claims-free operation
- $1M Revenue: Owner plus 5 employees, ~10% subcontractor costs, 5+ years claims-free operation
Before diving into state-specific costs, landscapers should understand the broader coverage options available. Learn more about landscaping insurance to ensure you’re comparing the right coverage types.
Jump to State
Alabama
The table below shows general liability insurance premiums for landscapers in Alabama with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.7% to 2.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,700 | $1,000 | $3,400 | 41% |
| $500,000 | $4,500 | $2,300 | $7,000 | 49% |
| $1,000,000 | $8,800 | $3,600 | $13,600 | 59% |
Workers’ compensation insurance for landscapers in Alabama costs $2.84 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Alaska
The table below shows general liability insurance premiums for landscapers in Alaska with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.8% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,500 | $600 | $2,700 | 60% |
| $500,000 | $3,100 | $2,300 | $4,300 | 26% |
| $1,000,000 | $5,900 | $4,600 | $7,700 | 22% |
Workers’ compensation insurance for landscapers in Alaska costs $3.69 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Arizona
The table below shows general liability insurance premiums for landscapers in Arizona with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $500 | $2,000 | 55% |
| $500,000 | $2,800 | $1,000 | $3,800 | 64% |
| $1,000,000 | $5,000 | $2,100 | $6,900 | 58% |
Workers’ compensation insurance for landscapers in Arizona costs $1.90 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Arkansas
The table below shows general liability insurance premiums for landscapers in Arkansas with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $500 | $1,800 | 55% |
| $500,000 | $2,700 | $900 | $5,100 | 67% |
| $1,000,000 | $4,800 | $2,000 | $9,400 | 58% |
Workers’ compensation insurance for landscapers in Arkansas costs $1.52 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
California
The table below shows general liability insurance premiums for landscapers in California with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,000 | $2,000 | $3,700 | 33% |
| $500,000 | $8,800 | $6,800 | $10,000 | 23% |
| $1,000,000 | $12,600 | $6,400 | $17,900 | 49% |
Workers’ compensation insurance for landscapers in California costs $0.00 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Colorado
The table below shows general liability insurance premiums for landscapers in Colorado with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 1.8% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,600 | $1,100 | $2,700 | 31% |
| $500,000 | $4,200 | $3,300 | $4,950 | 21% |
| $1,000,000 | $7,800 | $6,000 | $10,300 | 23% |
Workers’ compensation insurance for landscapers in Colorado costs $2.03 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Connecticut
The table below shows general liability insurance premiums for landscapers in Connecticut with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.8% to 2.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,700 | $1,900 | $3,500 | 30% |
| $500,000 | $7,700 | $4,800 | $10,700 | 38% |
| $1,000,000 | $15,700 | $7,800 | $23,600 | 50% |
Workers’ compensation insurance for landscapers in Connecticut costs $3.29 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Delaware
The table below shows general liability insurance premiums for landscapers in Delaware with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.3% to 2.6% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $1,200 | $3,900 | 50% |
| $500,000 | $6,100 | $1,900 | $10,800 | 69% |
| $1,000,000 | $11,000 | $2,800 | $20,000 | 75% |
Workers’ compensation insurance for landscapers in Delaware costs $3.53 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Florida
The table below shows general liability insurance premiums for landscapers in Florida with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.8% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,200 | $1,200 | $3,800 | 45% |
| $500,000 | $6,500 | $4,300 | $9,700 | 34% |
| $1,000,000 | $12,900 | $11,400 | $15,700 | 12% |
Workers’ compensation insurance for landscapers in Florida costs $3.62 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Georgia
The table below shows general liability insurance premiums for landscapers in Georgia with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,300 | $900 | $2,600 | 31% |
| $500,000 | $3,700 | $2,300 | $5,800 | 38% |
| $1,000,000 | $7,400 | $4,900 | $10,900 | 34% |
Workers’ compensation insurance for landscapers in Georgia costs $3.86 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Hawaii
The table below shows general liability insurance premiums for landscapers in Hawaii with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 1.1% to 1.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,900 | $1,600 | $2,800 | 16% |
| $500,000 | $6,500 | $5,600 | $8,400 | 14% |
| $1,000,000 | $11,300 | $11,200 | $14,560 | 1% |
Workers’ compensation insurance for landscapers in Hawaii costs $0.00 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Idaho
The table below shows general liability insurance premiums for landscapers in Idaho with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $800 | $1,900 | 33% |
| $500,000 | $3,100 | $2,300 | $4,400 | 26% |
| $1,000,000 | $6,200 | $4,200 | $9,300 | 32% |
Workers’ compensation insurance for landscapers in Idaho costs $3.91 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Illinois
The table below shows general liability insurance premiums for landscapers in Illinois with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,800 | $2,100 | $3,700 | 25% |
| $500,000 | $7,400 | $3,400 | $9,400 | 54% |
| $1,000,000 | $13,700 | $5,500 | $17,000 | 60% |
Workers’ compensation insurance for landscapers in Illinois costs $3.34 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Indiana
The table below shows general liability insurance premiums for landscapers in Indiana with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,500 | $1,100 | $2,000 | 27% |
| $500,000 | $4,200 | $3,300 | $5,300 | 21% |
| $1,000,000 | $8,500 | $5,600 | $10,800 | 34% |
Workers’ compensation insurance for landscapers in Indiana costs $2.38 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Iowa
The table below shows general liability insurance premiums for landscapers in Iowa with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $700 | $1,700 | 36% |
| $500,000 | $3,000 | $2,200 | $3,500 | 27% |
| $1,000,000 | $5,900 | $4,400 | $7,900 | 25% |
Workers’ compensation insurance for landscapers in Iowa costs $3.56 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Kansas
The table below shows general liability insurance premiums for landscapers in Kansas with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $800 | $1,500 | 33% |
| $500,000 | $3,400 | $2,300 | $4,700 | 32% |
| $1,000,000 | $7,200 | $4,000 | $10,400 | 44% |
Workers’ compensation insurance for landscapers in Kansas costs $2.45 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Kentucky
The table below shows general liability insurance premiums for landscapers in Kentucky with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $500 | $1,700 | 58% |
| $500,000 | $2,800 | $900 | $4,000 | 68% |
| $1,000,000 | $5,100 | $2,000 | $7,300 | 61% |
Workers’ compensation insurance for landscapers in Kentucky costs $1.91 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Louisiana
The table below shows general liability insurance premiums for landscapers in Louisiana with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 2.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,900 | $1,400 | $4,400 | 52% |
| $500,000 | $7,800 | $2,400 | $13,100 | 69% |
| $1,000,000 | $15,400 | $3,600 | $28,900 | 77% |
Workers’ compensation insurance for landscapers in Louisiana costs $4.08 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Maine
The table below shows general liability insurance premiums for landscapers in Maine with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,400 | $1,000 | $2,200 | 29% |
| $500,000 | $4,000 | $3,200 | $5,000 | 20% |
| $1,000,000 | $7,800 | $5,100 | $10,800 | 35% |
Workers’ compensation insurance for landscapers in Maine costs $4.29 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Maryland
The table below shows general liability insurance premiums for landscapers in Maryland with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $500 | $2,300 | 55% |
| $500,000 | $2,700 | $1,100 | $4,100 | 59% |
| $1,000,000 | $5,200 | $2,400 | $8,300 | 54% |
Workers’ compensation insurance for landscapers in Maryland costs $2.26 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Massachusetts
The table below shows general liability insurance premiums for landscapers in Massachusetts with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 2.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,900 | $1,200 | $3,000 | 37% |
| $500,000 | $5,000 | $3,500 | $6,800 | 30% |
| $1,000,000 | $9,000 | $5,600 | $11,700 | 38% |
Workers’ compensation insurance for landscapers in Massachusetts costs $2.20 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Michigan
The table below shows general liability insurance premiums for landscapers in Michigan with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $800 | $2,100 | 33% |
| $500,000 | $3,500 | $1,500 | $5,600 | 57% |
| $1,000,000 | $6,500 | $2,300 | $10,400 | 65% |
Workers’ compensation insurance for landscapers in Michigan costs $2.48 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Minnesota
The table below shows general liability insurance premiums for landscapers in Minnesota with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $700 | $1,700 | 36% |
| $500,000 | $3,100 | $2,100 | $4,600 | 32% |
| $1,000,000 | $6,300 | $3,800 | $8,700 | 40% |
Workers’ compensation insurance for landscapers in Minnesota costs $3.71 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Mississippi
The table below shows general liability insurance premiums for landscapers in Mississippi with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,100 | $1,000 | $3,700 | 52% |
| $500,000 | $5,700 | $2,500 | $10,700 | 56% |
| $1,000,000 | $11,700 | $3,900 | $20,000 | 67% |
Workers’ compensation insurance for landscapers in Mississippi costs $2.87 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Missouri
The table below shows general liability insurance premiums for landscapers in Missouri with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,300 | $900 | $1,800 | 31% |
| $500,000 | $3,700 | $2,800 | $6,300 | 24% |
| $1,000,000 | $7,300 | $4,700 | $11,700 | 36% |
Workers’ compensation insurance for landscapers in Missouri costs $3.61 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Montana
The table below shows general liability insurance premiums for landscapers in Montana with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,600 | $1,200 | $2,100 | 25% |
| $500,000 | $4,700 | $2,700 | $6,600 | 43% |
| $1,000,000 | $8,700 | $5,200 | $12,200 | 40% |
Workers’ compensation insurance for landscapers in Montana costs $4.03 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Nebraska
The table below shows general liability insurance premiums for landscapers in Nebraska with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,300 | $800 | $2,000 | 38% |
| $500,000 | $3,500 | $1,900 | $6,600 | 46% |
| $1,000,000 | $6,900 | $3,600 | $12,000 | 48% |
Workers’ compensation insurance for landscapers in Nebraska costs $3.62 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Nevada
The table below shows general liability insurance premiums for landscapers in Nevada with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.8% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,500 | $1,400 | $3,700 | 44% |
| $500,000 | $6,500 | $4,300 | $9,200 | 34% |
| $1,000,000 | $13,000 | $7,800 | $16,800 | 40% |
Workers’ compensation insurance for landscapers in Nevada costs $1.76 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
New Hampshire
The table below shows general liability insurance premiums for landscapers in New Hampshire with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 2.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,000 | $1,400 | $3,200 | 30% |
| $500,000 | $5,700 | $3,500 | $7,700 | 39% |
| $1,000,000 | $11,000 | $5,600 | $13,400 | 49% |
Workers’ compensation insurance for landscapers in New Hampshire costs $3.89 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
New Jersey
The table below shows general liability insurance premiums for landscapers in New Jersey with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 4.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,500 | $1,900 | $5,800 | 46% |
| $500,000 | $9,200 | $3,400 | $18,000 | 63% |
| $1,000,000 | $20,500 | $5,500 | $39,800 | 73% |
Workers’ compensation insurance for landscapers in New Jersey costs $8.54 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
New Mexico
The table below shows general liability insurance premiums for landscapers in New Mexico with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,700 | $1,200 | $2,800 | 29% |
| $500,000 | $4,400 | $3,200 | $6,400 | 27% |
| $1,000,000 | $8,500 | $5,200 | $11,600 | 39% |
Workers’ compensation insurance for landscapers in New Mexico costs $3.44 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
New York
The table below shows general liability insurance premiums for landscapers in New York with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 1.5% to 11.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $9,600 | $6,400 | $11,200 | 33% |
| $500,000 | $25,400 | $20,300 | $30,450 | 20% |
| $1,000,000 | $56,500 | $15,400 | $109,900 | 73% |
Workers’ compensation insurance for landscapers in New York costs $3.99 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
North Carolina
The table below shows general liability insurance premiums for landscapers in North Carolina with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $600 | $2,600 | 45% |
| $500,000 | $2,700 | $1,100 | $4,800 | 59% |
| $1,000,000 | $5,700 | $2,100 | $9,700 | 63% |
Workers’ compensation insurance for landscapers in North Carolina costs $3.01 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
North Dakota
The table below shows general liability insurance premiums for landscapers in North Dakota with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.5% to 1.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,400 | $800 | $2,100 | 43% |
| $500,000 | $3,800 | $2,600 | $5,000 | 32% |
| $1,000,000 | $7,100 | $5,500 | $10,700 | 23% |
Workers’ compensation insurance for landscapers in North Dakota costs $1.29 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Ohio
The table below shows general liability insurance premiums for landscapers in Ohio with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $700 | $2,300 | 36% |
| $500,000 | $2,800 | $2,000 | $4,100 | 29% |
| $1,000,000 | $5,600 | $4,100 | $8,100 | 27% |
Workers’ compensation insurance for landscapers in Ohio costs $2.68 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Oklahoma
The table below shows general liability insurance premiums for landscapers in Oklahoma with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $800 | $1,500 | 33% |
| $500,000 | $3,300 | $2,500 | $4,700 | 24% |
| $1,000,000 | $6,800 | $4,300 | $10,300 | 37% |
Workers’ compensation insurance for landscapers in Oklahoma costs $3.85 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Oregon
The table below shows general liability insurance premiums for landscapers in Oregon with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,200 | $600 | $2,800 | 50% |
| $500,000 | $2,900 | $1,900 | $5,200 | 34% |
| $1,000,000 | $5,900 | $3,900 | $10,500 | 34% |
Workers’ compensation insurance for landscapers in Oregon costs $2.48 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Pennsylvania
The table below shows general liability insurance premiums for landscapers in Pennsylvania with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.7% to 3.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,500 | $1,300 | $4,700 | 48% |
| $500,000 | $7,200 | $4,100 | $11,600 | 43% |
| $1,000,000 | $15,900 | $6,600 | $25,600 | 58% |
Workers’ compensation insurance for landscapers in Pennsylvania costs $2.69 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Rhode Island
The table below shows general liability insurance premiums for landscapers in Rhode Island with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 2.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $1,600 | $4,000 | 33% |
| $500,000 | $6,300 | $3,800 | $9,200 | 40% |
| $1,000,000 | $12,200 | $6,000 | $16,900 | 51% |
Workers’ compensation insurance for landscapers in Rhode Island costs $3.79 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
South Carolina
The table below shows general liability insurance premiums for landscapers in South Carolina with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.3% to 2.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,700 | $700 | $3,200 | 59% |
| $500,000 | $4,400 | $1,500 | $6,100 | 66% |
| $1,000,000 | $8,600 | $3,100 | $13,100 | 64% |
Workers’ compensation insurance for landscapers in South Carolina costs $2.92 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
South Dakota
The table below shows general liability insurance premiums for landscapers in South Dakota with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 1.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,700 | $1,000 | $2,600 | 41% |
| $500,000 | $4,400 | $3,200 | $6,900 | 27% |
| $1,000,000 | $8,500 | $6,200 | $12,600 | 27% |
Workers’ compensation insurance for landscapers in South Dakota costs $3.23 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Tennessee
The table below shows general liability insurance premiums for landscapers in Tennessee with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,400 | $700 | $2,000 | 50% |
| $500,000 | $3,800 | $1,600 | $5,700 | 58% |
| $1,000,000 | $8,000 | $3,500 | $13,100 | 56% |
Workers’ compensation insurance for landscapers in Tennessee costs $2.77 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Texas
The table below shows general liability insurance premiums for landscapers in Texas with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.6% to 1.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,500 | $1,000 | $2,900 | 33% |
| $500,000 | $3,700 | $3,000 | $4,700 | 19% |
| $1,000,000 | $8,100 | $6,600 | $10,800 | 19% |
Workers’ compensation insurance for landscapers in Texas costs $1.95 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Utah
The table below shows general liability insurance premiums for landscapers in Utah with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,400 | $500 | $2,300 | 64% |
| $500,000 | $3,600 | $1,100 | $6,100 | 69% |
| $1,000,000 | $6,400 | $2,300 | $11,000 | 64% |
Workers’ compensation insurance for landscapers in Utah costs $2.12 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Vermont
The table below shows general liability insurance premiums for landscapers in Vermont with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,000 | $500 | $1,300 | 50% |
| $500,000 | $2,700 | $900 | $4,900 | 67% |
| $1,000,000 | $4,500 | $2,000 | $8,000 | 56% |
Workers’ compensation insurance for landscapers in Vermont costs $4.35 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Virginia
The table below shows general liability insurance premiums for landscapers in Virginia with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.2% to 1.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,000 | $500 | $1,600 | 50% |
| $500,000 | $2,400 | $1,100 | $3,800 | 54% |
| $1,000,000 | $4,800 | $2,300 | $8,200 | 52% |
Workers’ compensation insurance for landscapers in Virginia costs $2.02 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Washington
The table below shows general liability insurance premiums for landscapers in Washington with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.3% to 1.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,600 | $700 | $2,100 | 56% |
| $500,000 | $4,100 | $2,300 | $5,300 | 44% |
| $1,000,000 | $8,000 | $2,800 | $14,000 | 65% |
Workers’ compensation insurance for landscapers in Washington costs $0.00 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
West Virginia
The table below shows general liability insurance premiums for landscapers in West Virginia with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 2.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,000 | $1,400 | $3,200 | 30% |
| $500,000 | $4,800 | $2,600 | $6,000 | 46% |
| $1,000,000 | $8,700 | $4,100 | $12,900 | 53% |
Workers’ compensation insurance for landscapers in West Virginia costs $1.23 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Wisconsin
The table below shows general liability insurance premiums for landscapers in Wisconsin with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,500 | $1,000 | $2,000 | 33% |
| $500,000 | $4,100 | $3,100 | $6,100 | 24% |
| $1,000,000 | $7,100 | $4,300 | $11,000 | 39% |
Workers’ compensation insurance for landscapers in Wisconsin costs $3.12 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Wyoming
The table below shows general liability insurance premiums for landscapers in Wyoming with $1M per occurrence and $2M aggregate coverage limits, with premiums ranging from 0.4% to 1.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,100 | $600 | $2,200 | 45% |
| $500,000 | $3,000 | $2,100 | $4,000 | 30% |
| $1,000,000 | $6,000 | $4,200 | $7,900 | 30% |
Workers’ compensation insurance for landscapers in Wyoming costs $3.59 per $100 of payroll for class code 9102, which serves as a good proxy rate for landscaping businesses.
Take Action on Your Landscaper Insurance Costs Now
Our comprehensive analysis of landscaper insurance costs across all 50 states reveals an undeniable truth: landscaping contractors nationwide are potentially overpaying by thousands of dollars annually. The data shows savings opportunities ranging from 1% to 77% between higher-end and favorable rates, with states like Louisiana, Delaware, and New Jersey offering particularly dramatic cost reductions for well-qualified contractors.
Here’s what this means for your bottom line: a landscaping business generating $500,000 in revenue could reduce insurance costs by an average of $4,200 per year simply by securing favorable rates. For landscapers approaching $1 million in revenue, annual savings often exceed $8,500. That’s $42,500 over five years that could fund new commercial mowers, truck upgrades, or crew expansion rather than inflated insurance premiums.
The real challenge facing landscaping contractors isn’t just knowing these savings exist—it’s actually accessing them. Traditional insurance channels often limit you to a few carriers who may not understand the seasonal nature of landscaping work or the specific risks of lawn care versus hardscaping. Many landscapers settle for the first quote they receive, unaware that specialized carriers offer significantly better rates for their trade.
ContractorNerd eliminates these barriers for landscaping contractors. Built exclusively for trades professionals, our platform connects you with insurance carriers who understand landscaping work and price it fairly. We’ve negotiated access to the favorable rates highlighted throughout this guide, making them available to qualified landscaping contractors like you.
Take These Steps Today:
Discover Your Savings in Minutes – Access ContractorNerd’s platform to receive customized quotes based on your specific landscaping business. Our technology instantly compares rates from carriers specializing in landscaping contractor coverage, revealing your true savings potential without any commitment or sales pressure.
See Exactly What You’ll Save:
- Coverage options tailored to landscaping contractor needs (including equipment, pesticide application, and snow removal)
- Identification of carriers offering the most competitive rates in your state
- Available discounts for safety programs, experience, and claims-free history
Secure Better Coverage Immediately – Ready to reduce your insurance costs? Our digital platform enables you to bind coverage the same day, ensuring you start saving immediately. The entire process typically takes less than 20 minutes, with digital certificates of insurance available instantly for your HOA and commercial property clients.
[Start Your Savings Journey Now] and understand why thousands of landscaping contractors rely on ContractorNerd for superior coverage at lower costs. Join the growing number of landscapers saving 20-60% on their insurance while maintaining comprehensive protection for their business.
Your landscaping business faces enough challenges without overpaying for insurance—from weather delays to equipment costs to seasonal cash flow. Take advantage of the competitive market and secure the favorable rates you deserve. Visit ContractorNerd.com today and put those savings back where they belong—in growing your landscaping business.