As a landscaper in Texas, you know that a beautifully manicured lawn requires hard work and attention to detail. But running a successful landscaping business involves more than just mowing, planting, and pruning. It requires protecting your company, employees, equipment, and reputation from the unpredictable perils that can impact any business.

Having the right insurance coverage in place is a key shield against these risks for Texas landscapers. This comprehensive guide will uncover the essential factors that influence insurance costs for landscaping companies of all sizes across the Lone Star State. It also provides actionable insights on partnering with the right insurance advisor to get tailored protection at a competitive price.

For landscapers in Texas, having the right insurance for landscaping is essential. This usually includes general liability protection for landscapers to protect against third-party claims and workers’ compensation coverage for landscaping businesses to cover employee injuries on the job.

Key Statistics about the Landscaping Trade in Texas

Understanding vital statistics about the landscaping profession in Texas provides helpful context on the industry’s landscape and insurance needs:

  • There are over 64,900 landscapers employed in Texas as of 2022, with an average annual salary of $33,470.

  • Texas has the 3rd highest employment level for landscapers in the U.S. behind only California and Florida.

  • The Dallas-Fort Worth metro area has the 5th most landscaping jobs among metropolitan regions nationwide, with nearly 20,000 landscaping employees.

  • Houston also cracks the top 10 metros for landscaper jobs with over 15,000 workers.

  • Landscapers in Texas earn approximately 16% less than the national average salary for the profession of $37,270.

  • With Texas’ hot climate, landscapers endure long summer work hours exposed to extreme heat, storms, plants, insects, and outdoor hazards. This contributes to elevated injury rates.

  • The most common injuries for Texas landscapers are sprains, strains, tears, soreness, bruising, cuts, and abrasions often caused by gardening tools, machinery, and heavy lifting.

  • Texas also faces risks from hail storms, wildfires, flash flooding, tornadoes, and hurricanes which can damage landscaping equipment and property if uninsured.

Key Factors Influencing Insurance Costs

There are several variables that impact insurance premiums for Texas landscaping businesses:

Size of Company – The number of employees on your team and amount of equipment/vehicles affects pricing for general liability, workers’ compensation, commercial auto, and other policies. More personnel and assets mean greater exposure for an insurer, which is reflected in higher premiums.

Annual Revenue – Your company’s annual revenue is a key factor, as higher revenues lead to increased insurance costs across all coverages. Larger revenue equates to greater property/liability risks for a landscaping business. Premiums are often quoted as a percentage of annual receipts.

Services Offered – The specific landscaping services you provide have distinct inherent risks that insurers evaluate differently. Complex or dangerous work like tree removal leads to higher premiums compared to routine grass cutting and shrub trimming. Each unique service carries exposures that influence cost.

Location – Insurance costs within Texas can fluctuate based on the part of the state your business is situated in. Factors like local weather risks, crime rates, cost of living, and population density will impact pricing. An urban business faces distinct risks versus a rural operation.

Claims History – Past losses leading to insurance claims will drive your business’s premiums upward. Maintaining a positive loss run helps keep insurance affordable, while frequent claims lead to increased prices. Avoiding incidents remains imperative.

Customer Contracts – The liability coverage limits and insurance requirements stipulated in your customer contracts influence the policies and premiums needed. Review these contractual obligations carefully as they directly impact your business’s risk profile.

State Regulations – Texas has specific workers’ compensation and insurance requirements that landscapers must adhere to, impacting your coverage needs. Understanding your compliance responsibilities is critical.

Insurance Costs for Small Texas Landscaping Businesses

For landscaping companies on the smaller end of the spectrum with around $150,000 in annual revenue and only 1-2 employees, typical Texas insurance costs are:

General Liability – $500 to $2,700 annually

General liability protects your business if a third party alleges they suffered bodily injury or property damage because of your work. Texas landscapers typically carry at least $500,000 to $1 million in liability limits.

Workers’ Compensation – $800 to $1,300 annually

This coverage pays for medical treatment and lost wages if an employee is hurt on the job. Texas requires all landscapers to carry workers’ compensation insurance.

Commercial Auto – $1,500 to $2,500 per vehicle annually

You’ll need commercial auto insurance for company vehicles. Texas requires minimum liability limits of 30/60/25 but higher limits are recommended.

Inland Marine (Equipment Coverage) – $750 to $1,500 annually

Inland marine protects your landscaping tools and equipment against theft and damage. Expect higher premiums for newer, more expensive equipment.

E&O (Errors & Omissions) Liability – $500 to $1,500 annually

E&O coverage is optional but protects if you fail to deliver contracted services or make a mistake that causes financial harm to a client.

Commercial Property – $1,000 to $2,000 annually

This insures buildings, offices, storage sheds, fenced yards, or other business properties you own against damage.

With just a few employees and minimal equipment, premiums remain affordable for small landscaping businesses focusing on core coverages. Partnering with an insurance advisor who understands Texas landscapers is key to optimizing coverage.

Insurance Costs for Mid-Size Texas Landscaping Businesses

For landscaping companies that have grown to approximately $500,000 in annual revenue and around 3-5 employees, typical Texas insurance costs are:

General Liability – $1,000 to $5,200 annually

Mid-size landscapers in Texas often carry more substantial liability limits of $1 million to $2 million, boosting premiums. Ensure your coverage matches potential exposures.

Workers’ Compensation – $2,300 to $3,800 annually

Additional employees and payroll amount increases workers’ compensation premiums compared to smaller operators.

Commercial Auto – $2,000 to $3,500 per vehicle annually

With larger crews and more accounts, most mid-size landscapers operate multiple vehicles requiring commercial auto insurance.

Inland Marine (Equipment) – $2,500 to $5,000 annually

The total value amount of equipment and tools requiring inland marine coverage grows as a landscaper handles more business and bigger accounts.

Commercial Property – $3,000 to $5,000 annually

Some mid-size landscapers invest in their own office or warehouse space as their business scales, necessitating property coverage.

Umbrella Liability – $750 to $1,500 annually for $1M in additional coverage

Umbrella insurance provides critical additional liability limits atop other policies. This is affordable added peace of mind.

As personnel, equipment, and revenues climb, premiums increase accordingly to address expanded risks. An insurance specialist can optimize coverage based on actual operations.

Insurance Costs for Large Texas Landscaping Businesses

For enterprise-level landscaping companies with approximately $1,000,000 or more in annual revenue and over 5 employees, typical Texas insurance costs are:

General Liability – $2,300 to $10,200 annually

Larger landscapers take on more sizeable contracts requiring elevated liability limits of $2 million or more, driving premiums upward.

Workers’ Compensation – $3,800 to $5,900 annually

With bigger staff rosters and payrolls, workers’ compensation policies also become more expensive for large landscapers.

Commercial Auto – $3,000 to $4,000 per vehicle annually

Maintaining larger company-owned vehicle fleets adds to the commercial auto insurance costs.

Inland Marine (Equipment) – $7,500 to $10,000 annually

The total insured value of tools and equipment rises substantially for big landscapers, impacting premiums.

Commercial Property – $5,000 to $7,500 annually

Larger landscaping operations have more significant real estate holdings to insure like offices, warehouses, storage yards, and other properties.

Umbrella Liability – $1,000 to $2,000 annually for $2M in additional coverage

With greater risks and assets, additional umbrella limits are prudent for large landscapers to supplement underlying liability policies.

Enterprise landscaping businesses have more substantial assets and personnel rosters, necessitating increased coverage limits and premiums to adequately transfer risk. Partnering with a specialized broker provides access to suitable landscaping insurance markets.

Additional Insurance Coverages for Texas Landscapers

While general liability, workers’ compensation, commercial auto, and inland marine policies provide a solid coverage foundation, most established landscaping businesses need additional specialty policies based on their unique risk profile and customer contract requirements:

Pollution Liability – Covers bodily injury or property damage from improper chemical handling or spills. Important for landscapers heavily using fertilizers, pesticides, or herbicides. Premiums range from $750 to $2,500 annually.

Commercial Crime – Protects against employee theft, which is a concern with valuables at customer sites. Premiums range from $500 to $1,500 per year.

Cyber Liability – Crucial as landscapers utilize technology to run operations and store customer data. Premiums range from $500 to $1,500 annually.

EPLI (Employment Practices Liability) – Shields against discrimination, harassment, wrongful termination and other employee claims. Premiums range from $1,000 to $3,000+ annually depending on company size.

Installation Floater – Provides specialized inland marine coverage for installation projects. Protects building supplies and materials used in landscaping installations against damage or theft. Premiums vary based on project size and scope.

Business Interruption – Covers income lost if a covered loss shuts down operations. Useful for larger landscapers with substantial overhead and payrolls.

Builder’s Risk – Insure construction projects while underway. Critical for landscapers providing design-build services.

How Insurers Determine Landscaper Premiums

Insurance carriers utilize several factors to calculate and determine premium rates for landscaping contractors:

  • Loss Ratios – Insurers with loss ratios below 60% have lower claims payouts versus premiums received. This leaves room for competitive pricing while still making a profit. Ask brokers for loss ratio data as part of policy quotes.

  • Class Codes – For workers’ compensation policies, employees are assigned class codes by their job duties/hazards. Landscapers primarily use code 0042. Higher risk classes have elevated rates.

  • Experience Mods – This factor represents your safety record. Beginning at 1.0, your “mod” adjusts up/down based on past claims. More incidents drive your premiums upward.

  • Location – Geographic regions with frequent severe weather, wildfires or other perils often have elevated premiums to compensate insurers for increased risk.

  • Services Performed – Insurers classify landscaping services by hazard level and set pricing accordingly. High-risk tree removal is more costly to insure than routine maintenance.

  • Discounts – Premium reductions may be available for robust safety programs. Communicating risk management initiatives helps secure savings.

Getting the Right Insurance for Your Landscaping Business

While insurance can seem complicated, having coverage tailored to your specific business is easy with the right landscaping insurance advisor. Here are best practices for Texas landscapers seeking customized protection at competitive pricing:

Specialized Landscaping Expertise – Partner with an agent/broker dedicated to the landscaping trade. They understand the unique risks and insurance needs for optimal coverage. Seek out expertise.

Proprietary Landscaping Markets Access – An experienced landscaping insurance specialist has connections with niche carriers and can secure tailored products/pricing. Leverage these carrier relationships.

Year-Round Policy Guidance – Your advisor should provide strategic insurance assessments before renewal periods to identify new exposures and optimize your program. Align coverage and costs.

Coverage Reviews – Have your broker periodically review policies to ensure adequate limits and necessary endorsements as your business evolves. Make adjustments to match growth.

Competitive Quotes – An independent insurance specialist can access multiple carrier quotes, leveraging competition to find you the best rates. Market leverage brings savings.

Industry Education – Ask prospective agents about landscaping insurance designations, memberships and demonstrated trade specialization. These signify expertise. Seek out the experts.

Proactive Risk Management – An engaged insurance partner actively helps identify risks and provides loss control guidance tailored for landscapers. Take advantage of risk mitigation insights.


For Texas landscaping companies, having insurance tailored to your specific business, services, exposures, assets, and contracts is essential. But it’s about more than just purchasing policies. An experienced, dedicated insurance advisor provides strategic guidance and advocacy when you need it most. Partner with a trusted, attentive specialist focused on the landscaping trade to protect your enterprise and keep your business thriving across the Lone Star State.