As a landscaper in Rhode Island, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the insurance coverages Rhode Island landscapers need, including costs based on our analysis of over 1,000 quotes from leading carriers.

Learn about specialized landscape professional insurance options in our overview.

General Liability Insurance for Rhode Island Landscapers

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

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$2,4001.6%$1,60033%
$500K$6,3001.3%$3,80040%
$1M$12,2001.2%$6,00051%

These premiums assume:

  • Clean claims history (5+ years without incidents)
  • Standard $1M/$2M coverage limits
  • 1 owner with increased employees by revenue size
  • Approximately 10% subcontractor costs

Worker’s Compensation Insurance for Rhode Island Landscapers

Worker’s compensation insurance is required for Rhode Island landscapers with employees. Based on our analysis:

  • Average cost per employee: $12,530 annually
  • Cost per $100K of payroll: $4,100

Key factors affecting premiums:

  • Job classification codes (primarily code 0042 for landscaping)
  • Total annual payroll
  • Claims history and safety programs
  • Experience modifier rating (EMR)

Additional Business Insurance for Landscapers in Rhode Island

1. Commercial Auto Insurance

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

2. Tools & Equipment Insurance

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

3. Errors & Omissions Insurance

  • Annual premiums: $50-$500
  • Coverage range: $10,000-$1M+
  • Important for design services

4. Commercial Property Insurance

  • Annual premiums: $1,000-$5,000
  • Protects buildings, contents, and equipment
  • Coverage for fire, theft, and weather damage

5. Surety Bonds

Bond amounts from $5,000-$25,000, with premiums based on credit:

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

Get Rhode Island Landscaper Liability with ContractorNerd

ContractorNerd makes getting landscaper insurance simple, efficient, and data-driven. 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 when needed

Our team of insurance specialists helps Rhode Island landscapers:

  • Optimize coverage based on 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 Rhode Island landscaping business.