Owning a landscaping company in Kentucky allows you to make a living pursuing your passion for cultivating lush, beautiful outdoor spaces. But running these businesses involves more than just mowing lawns and planting gardens. You also need proper insurance to protect against liabilities that could damage your finances and reputation.

This in-depth guide provides Kentucky landscapers with insights into insurance, including typical premium costs based on your company’s characteristics. We’ll explore factors impacting your rates, coverages like general liability and workers’ compensation, and how carriers calculate premiums. With the right protection tailored to your specific risks, you can continue serving customers without worrying about unexpected perils uprooting your success.

Kentucky landscapers must have the right landscaping insurance coverage to operate legally in the state. This usually includes general liability insurance for landscapers to protect against third-party claims and workers’ compensation for landscaping businesses to cover employee injuries on the job.

Key Statistics for Kentucky’s Landscaping Industry

  • There are over 4,600 landscaping companies operating in Kentucky as of 2022, mostly small businesses with 1-4 employees.
  • Landscapers in the state earn average salaries of around $40,000 annually.
  • Workers’ compensation class code 0042 applies to Kentucky landscapers, with rates ranging from $2.45 to $12.94 per $100 of payroll depending on risk classification.
  • Kentucky’s cost of living is about 15% below the national average, contributing to moderately lower insurance premiums compared to many other states.
  • There are no special licensing requirements or bonding/insurance mandates for landscapers in Kentucky beyond standard business licenses.

What Impacts Landscaper Insurance Costs?

Many factors determine insurance premiums for landscapers across coverages like general liability, commercial auto, workers’ compensation, and equipment policies:

Operating in major metropolitan regions such as Louisville or Lexington leads to higher premiums compared to rural parts of the state due to increased risks and expenses.

Payroll Size
The more employees on your team, the greater workers’ comp exposure from wages paid across more policies.

Services Offered
Providing riskier services like tree removal raises general liability risks compared to routine maintenance.

Equipment Value
Insurers charge more to cover expensive landscaping machinery and tools on job sites and in transit.

Annual Revenue
Higher gross revenues mean expanded exposures, resulting in higher premiums.

Claims History
Frequent past claims drive up premiums across all policy types. Maintaining a clean history keeps rates affordable.

Safety Record
Documented safety protocols including equipment/vehicle maintenance and employee training help lower premiums.

Carrier Loss Ratios
Insurers with loss ratios below 60% spend less on claims versus premiums collected, enabling competitive pricing.

Deductible Levels
Choosing higher deductibles reduces premiums but increases potential out-of-pocket costs when claims occur.

Insurance Costs for Small Landscaping Companies

Most Kentucky landscaping businesses are small operations with limited staff and revenue. Here are typical premiums for a 1-person company:

Sample Business Profile

  • 1 Owner
  • 1 Full-Time Employee
  • $150,000 Annual Revenue

Estimated Premiums

General Liability

  • $500 – $1,800 annually

Workers’ Compensation

  • $800 – $1,400 annually

At this scale, small landscapers won’t need to worry about bonding requirements. Bundling general liability and workers’ comp from one specialist provider can help maximize multi-policy discounts. Expect total yearly premiums between $1,300 and $3,200.

Coverages to Consider

Beyond basic liability and workers’ comp, small landscapers may want to add:

  • Inland Marine – protects equipment and tools on jobsites and in transit.
  • Commercial Auto – covers vehicles used for business purposes.
  • E&O – shields against third party claims arising from professional errors/negligence.

Insurance Costs for Mid-Size Landscaping Companies

As your client base, staff, and revenues grow, expect climbing insurance premiums. Here are estimated costs for a medium-scale operation:

Sample Business Profile

  • 1 Owner
  • 3 Full-Time Employees
  • $500,000 Annual Revenue

Estimated Premiums

General Liability

  • $1,000 – $4,100 annually

Workers’ Compensation

  • $2,400 – $4,000 annually

With a larger payroll and more exposure from higher revenue, premiums jump substantially once crossing into medium-sized territory. Adding commercial auto coverage makes sense as business vehicles accumulate more mileage. Expect total yearly premiums from $3,400 to $8,100.

Coverages to Consider

Mid-size landscapers should consider these additional policies:

  • Commercial Property – protects business structures like offices and storage facilities.
  • Business Income – replaces lost profits if operations halt due to covered losses.
  • Cyber Liability – covers data breaches and hacks affecting digital assets.
  • Pollution Liability – protects against chemical accidents/exposures.

Insurance Costs for Large Landscaping Companies

Larger landscaping companies with closer to $1 million or more in annual revenue need extensive coverage given their considerable exposures. Here are typical premiums:

Sample Business Profile

  • 1 Owner
  • 5 Full-Time Employees
  • $1,000,000 Annual Revenue

Estimated Premiums

General Liability

  • $2,000 – $7,300 annually

Workers’ Compensation

  • $4,100 – $6,300 annually

As payroll sizes, equipment values, and revenues scale up, premiums climb to match the expanding risks. You’ll also want to consider inland marine policies for high-value equipment and tools. Expect total yearly premiums from $6,100 to $13,600.

Coverages to Consider

In addition to more substantial general liability, commercial/inland marine, and workers’ comp limits, large landscapers should evaluate:

  • Umbrella Liability – provides extra coverage above general liability and auto policy limits.

  • Employment Practices Liability – protects against employment lawsuits.

  • Directors & Officers – covers legal action against organization leaders.

  • Crime/Fidelity Bonds – safeguard against employee theft and fraud.

Additional Insurance Coverages to Consider

Beyond core policies like general liability and workers’ compensation, Kentucky landscapers can benefit from these supplemental insurance options aligned to their risk profile:

Commercial Auto Insurance

Protects vehicles used for business purposes like work trucks in the event of accidents.

Inland Marine Insurance

Covers landscaping tools and equipment on job sites and in transit.

Errors & Omissions Insurance

Shields against third party liability claims arising from professional errors or negligence.

Pollution Liability Insurance

Covers bodily injury and property damage from use of landscaping chemicals like fertilizers, herbicides, and pesticides.

Cyber/Data Breach Insurance

Safeguards digital assets and customer/employee data from hacking, viruses, and other breaches.

Business Income Insurance

Replaces income lost if operations shut down temporarily due to a covered event.

Commercial Property Insurance

Protects business structures like offices, warehouses, and storage facilities from covered losses.

Employment Practices Liability Insurance

Covers employment-related lawsuits around discrimination, harassment, wrongful termination etc.

Fidelity/Crime Bonds

Protect against financial losses from employee theft, embezzlement, or forgery.

How Insurance Carriers Calculate Premiums

Insurers use several criteria to determine landscaper premiums in Kentucky:

Class Codes

Workers’ compensation rates derive from class code 0042 classification based on risk levels. More payroll equals bigger premiums.


General liability premiums often range from 0.5% to 2% of annual revenues. Higher revenue signals greater exposure.

Driver Factors

Driving records, vehicle types, mileage, and other variables determine auto insurance costs.

Claims History

Frequent past claims drive up premiums across all policies. A clean history keeps rates affordable.

Policy Limits

Higher coverage limits mean larger potential payouts for insurers, leading to increased premiums.

Safety Procedures

Documented safety protocols like equipment checks and driver training help lower premium expenses.

Loss Ratios

Insurers with loss ratios below 60% spend less on claims versus premiums collected, enabling competitive pricing.

Deductible Levels

Choosing higher deductibles reduces premiums but increases potential out-of-pocket costs when claims occur.

Getting the Right Insurance for Your Kentucky Landscaping Business

With so many variables impacting costs, it’s essential to work with a commercial insurance specialist familiar with Kentucky landscaping risks. They understand exposures like tree removal, chainsaw operation, chemical applications, and road debris that can lead to liability claims or accidents. Leveraging their expertise helps structure adequate, affordable coverage that won’t leave you vulnerable.

The right insurance advisor will have access to Kentucky’s top regional and national carriers. They can compare quotes to find you the best value tailored to your particular requirements. Local agents also provide personalized service when submitting claims or adjusting your policies as your business evolves.

Don’t let unexpected perils wreck the success you’ve built. Consult experienced landscaping insurance experts who want to see your company continue thriving while properly managing risks. They will make sure you get the right insurance so you can focus on serving customers and expanding your brand.


Operating a profitable, reputable landscaping company takes diligence, hard work, and proper insurance. While premiums rise with additional staff, vehicles, machinery, and revenue, specialists help craft affordable protection customized for your needs. They understand the distinct risks landscapers face and how to safeguard your business. With the insights in this guide and the right partner, you can secure Kentucky landscaper insurance that allows your company to flourish without fear of liabilities uprooting your success.