As a landscaper in Oregon, having proper insurance coverage is essential for protecting your business against unique risks, meeting state requirements, and securing contracts. Our comprehensive guide breaks down the key insurance coverages Oregon landscapers need, with costs based on our analysis of actual quotes from leading carriers. Whether you’re just starting out or running an established landscaping company, understanding your insurance options and costs will help you make informed decisions to protect your business.
Find complete landscaping business liability insurance details in our guide.
General Liability Insurance for Oregon Landscapers
General liability insurance protects your landscaping business against property damage and bodily injury claims. Based on our analysis of quotes from leading carriers, here are the typical costs for Oregon landscapers:
| Revenue Size | Avg. Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $1,200 | 0.8% | $600 | 50% |
| $500K | $2,900 | 0.6% | $1,900 | 34% |
| $1M | $5,900 | 0.6% | $3,900 | 34% |
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 Oregon Landscapers
Worker’s compensation insurance is mandatory for Oregon landscaping businesses with employees. Based on our analysis, Oregon landscaping companies typically pay:
- $5,440 per employee annually
- $2,200 per $100,000 of payroll
Key premium factors include:
- Employee classification codes (primarily Code 0042 for landscaping)
- Annual payroll
- Claims history
- Safety programs
- Experience modifier rating (EMR)
Additional Business Insurance for Landscapers in Oregon
1. Tools & Equipment Insurance (Inland Marine)
- Annual premiums: $200-$2,000
- Coverage range: $5,000-$15,000+
- Per-item limit typically $5,000
2. Commercial Auto Insurance
- Annual premiums: $1,500-$3,050 per vehicle
- Standard coverage: $100K per person, $300K per accident, $100K property damage
- Higher limits ($500K-$1M) recommended
3. Surety Bonds
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 |
| $15,000 | $150-$400 | $400-$750 | $750-$1,500 |
4. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Protects buildings, contents against fire, theft, vandalism
- Essential for businesses with storage facilities
5. Errors & Omissions Insurance
- Annual premiums: $50-$500
- Coverage range: $10,000-$1M+
- Protects against professional mistakes in landscape design
Get Oregon Landscaper Liability with ContractorNerd
ContractorNerd specializes in making liability and business insurance simple, efficient, and data-driven for Oregon 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 support
- Claims advocacy when needed
Our team of landscaping insurance specialists can help you:
- Optimize coverage levels based on your specific services
- Find competitive rates through our carrier network
- Bundle policies for additional savings
- Ensure compliance with Oregon regulations
Based on our analysis, landscaping businesses can typically save:
- Small ($150K Revenue): 25-45%
- Mid ($500K Revenue): 35-50%
- Large ($1M+ Revenue): 35-50%
Contact ContractorNerd today for tailored quotes for your Oregon landscaping business.