As a landscaper in Oklahoma, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the costs and coverages Oklahoma landscapers need, based on our analysis of actual quotes from leading insurance carriers. Whether you’re just starting out or running an established landscaping operation, understanding your insurance options helps you make informed decisions to protect your business.

Access comprehensive landscaping company protection information and guidance.

General Liability Insurance for Oklahoma Landscapers

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

Premium Overview by Revenue Size

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$1,2000.8%$80033%
$500K$3,3000.7%$2,50024%
$1M$6,8000.7%$4,30037%

These premiums assume:

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

Worker’s Compensation Insurance for Oklahoma Landscapers

Worker’s compensation insurance is mandatory for Oklahoma landscapers with employees. Based on our analysis, Oklahoma landscapers typically pay:

  • Per Employee Cost: $6,550 annually
  • Cost per $100K Payroll: $3,100

Key factors affecting premiums:

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

Additional Business Insurance for Landscapers in Oklahoma

1. 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

2. Tools & Equipment Insurance

  • Annual premiums: $200-$2,000
  • Coverage range: $5,000-$15,000+
  • Typical per-item limit: $5,000
  • Protects equipment during transport and at job sites

3. Surety Bonds

Costs vary by bond amount and credit rating:

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
  • Covers buildings, equipment storage, and contents
  • Protection against fire, theft, and weather damage

5. Business Owner’s Policy (BOP)

  • Combines general liability and property coverage
  • Often more cost-effective than separate policies
  • Ideal for landscapers with physical locations

Get Oklahoma Landscaper Liability with ContractorNerd

ContractorNerd specializes in making insurance simple and data-driven for Oklahoma landscapers. Our platform offers:

  • Instant online quotes from top-rated carriers
  • Side-by-side coverage comparisons
  • Landscaping-specific expertise
  • Streamlined application process
  • Ongoing policy management
  • Claims advocacy

Our insurance specialists help you:

  • Find optimal coverage based on your specific risks
  • Access competitive rates through our carrier network
  • Bundle policies for maximum savings
  • Ensure compliance with state regulations
  • Manage certificates of insurance
Business SizeTypical Savings
Small ($150K Revenue)25-45%
Mid ($500K Revenue)35-50%
Large ($1M+ Revenue)35-50%

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