As a landscaper in Massachusetts, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the essential insurance coverages Massachusetts landscapers need, including costs based on our analysis of actual quotes from leading carriers.

Learn about necessary landscape business owner insurance coverage requirements and options.

General Liability Insurance for Massachusetts Landscapers

Based on our analysis of over 1,000 landscaper quotes from leading carriers, here are the typical costs for Massachusetts landscapers:

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$1,8801.3%$1,23034%
$500K$5,0301.0%$3,51030%
$1M$9,0300.9%$5,60038%

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

Worker’s Compensation Insurance for Massachusetts Landscapers

Worker’s compensation insurance is mandatory for Massachusetts landscapers with employees. Based on our analysis, typical costs are:

CategoryCost
Per Employee$6,720 annually
Per $100K Payroll$2,200

Key factors affecting premiums:

  • Job classification codes (primarily 0042 for landscaping)
  • Total annual payroll
  • Claims history and experience modifier
  • Safety programs and training
  • Geographic location within Massachusetts

Additional Business Insurance for Landscapers in Massachusetts

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 ($500K-$1M) recommended for larger operations

3. Surety Bonds

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, equipment storage, and contents
  • Coverage for fire, theft, vandalism, weather damage

5. Commercial Umbrella Insurance

  • Additional $1M-$2M+ coverage
  • Annual premiums: $500-$1,000
  • Extends over general liability, auto, employer’s liability

Get Massachusetts 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 support
  • Claims advocacy when needed

Our team of landscaping insurance specialists helps you:

  • Optimize coverage based on your specific services and risks
  • Find competitive rates through our carrier network
  • Bundle policies for maximum savings
  • Ensure compliance with Massachusetts 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 customized quotes tailored to your Massachusetts landscaping business.