As a landscaping business owner in Idaho, having proper insurance coverage is essential for protecting your business, meeting client requirements, and managing operational risks. This comprehensive guide breaks down the key insurance coverages Idaho landscapers need, including costs based on our analysis of actual quotes from leading carriers.

Find out about crucial grounds maintenance insurance coverage in our resource center.

General Liability Insurance for Idaho Landscapers

General liability insurance protects landscaping businesses from third-party claims of property damage and bodily injury. Based on our analysis of over 1,000 landscaper quotes from leading carriers, here are the typical costs for Idaho landscapers:

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$1,2000.8%$80033%
$500K$3,1000.6%$2,30026%
$1M$6,2000.6%$4,20032%

These premiums assume:

  • Clean claims history (5+ years without incidents)
  • Standard $1M/$2M coverage limits
  • Typical mix of residential and commercial work
  • Approximately 10% subcontractor costs

Worker’s Compensation Insurance for Idaho Landscapers

Worker’s compensation insurance is essential for Idaho landscaping businesses with employees. Based on our analysis:

  • Average cost per employee: $9,120 annually
  • Cost per $100K of payroll: $3,900

Key factors affecting premiums:

  • Employee classification codes (primarily 0042 for landscaping)
  • Total annual payroll
  • Claims history
  • Safety programs
  • Experience modifier rating

Additional Business Insurance for Landscapers in Idaho

1. Tools & Equipment Insurance (Inland Marine)

  • Annual premiums: $200-$2,000
  • Coverage range: $5,000-$15,000+
  • Typical per-item limit: $5,000

2. Commercial Auto Insurance

  • Annual premiums: $1,500-$3,050 per vehicle
  • Standard coverage: $100K per person, $300K per accident
  • Higher limits recommended: $500K-$1M

3. Surety Bonds

Based on credit score:

Bond AmountExcellent CreditGood CreditBad 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 and contents
  • 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 businesses with physical locations

Get Idaho 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

Our team of specialists helps you:

  • Optimize coverage based on your specific risks
  • Find competitive rates through our carrier network
  • Bundle policies for additional savings
  • Ensure compliance with state regulations

Based on our analysis, landscaping businesses can save:

  • Small ($150K Revenue): 25-45%
  • Mid ($500K Revenue): 35-50%
  • Large ($1M+ Revenue): 35-50%

Contact ContractorNerd today for tailored quotes for your Idaho landscaping business.