As a landscaper in Hawaii, having proper insurance coverage is essential for protecting your business, meeting client requirements, and operating safely. This comprehensive guide breaks down the key insurance coverages Hawaii landscapers need, with costs based on our analysis of actual quotes from leading carriers across all 50 states. Our research includes data from over 1,000 landscaping businesses to provide accurate, current insurance cost information for Hawaii operations.
Access important information about landscape contractor liability protection for your business.
General Liability Insurance for Hawaii Landscapers
General liability insurance protects landscaping businesses against property damage and bodily injury claims. Based on our analysis of over 1,000 landscaper quotes from leading carriers, here are the typical costs for Hawaii landscapers:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $1,900 | 1.3% | $1,600 | 16% |
| $500K | $6,500 | 1.3% | $5,600 | 14% |
| $1M | $11,300 | 1.1% | $11,200 | 1% |
These premiums assume:
- Clean claims history (5+ years without incidents)
- Standard $1M/$2M coverage limits
- Mix of residential and commercial landscaping work
- Approximately 10% subcontractor costs
Key coverage includes:
- Property damage during active work
- Bodily injury to clients or bystanders
- Products and completed operations
- Defective products liability
Worker’s Compensation Insurance for Hawaii Landscapers
Worker’s compensation insurance is mandatory for Hawaii landscaping businesses with employees. Based on our analysis, Hawaii landscapers typically pay:
- $12,080 per employee annually
- $3,900 per $100,000 of payroll
Key factors affecting premiums:
- Job classification codes (primarily 0042 for landscaping)
- Total annual payroll
- Claims history
- Safety programs
- Experience modifier rating
Additional Business Insurance for Landscapers in Hawaii
1. Commercial Auto Insurance
- Annual premiums: $1,500-$3,050 per vehicle
- Standard coverage: $100K per person, $300K per accident
- Higher limits recommended: $500K-$1M
- Covers business vehicles and equipment transport
2. Tools & Equipment Insurance
- Annual premiums: $200-$2,000
- Coverage range: $5,000-$15,000+
- Typical per-item limit: $5,000
- Protects landscaping tools and machinery
3. Errors & Omissions Insurance
- Annual premiums: $50-$500
- Coverage range: $10,000-$1M+
- Protects against design mistakes
- Covers faulty installations claims
4. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Protects storage facilities and offices
- Coverage for equipment and supplies
- Protection against natural disasters
5. Surety Bonds
Typical 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 |
| $25,000 | $200-$500 | $500-$1,200 | $1,200-$2,500 |
Get Hawaii Landscaper Liability with ContractorNerd
ContractorNerd makes landscaper insurance simple and data-driven in Hawaii through:
- Instant online quotes from top-rated carriers
- Side-by-side coverage comparisons
- Landscaping-specific expertise
- Streamlined application process
- Ongoing policy management
- Claims advocacy support
Our team of insurance specialists helps you:
- Optimize coverage for your specific risks
- Find competitive rates through our carrier network
- Bundle policies for additional savings
- Ensure compliance with state regulations
For tailored quotes and expert guidance on your Hawaii landscaping business insurance needs, connect with our specialists today.