As a landscaper in Vermont, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the essential insurance coverages Vermont landscapers need, including costs based on our analysis of actual quotes from leading carriers. Our research draws from over 1,000 landscaper insurance quotes to provide accurate, current pricing information specific to Vermont.

Find essential landscape business insurance solutions for your company.

General Liability Insurance for Vermont Landscapers

General liability insurance protects landscaping businesses against property damage and bodily injury claims. Based on our analysis of quotes from leading carriers, here are typical costs for Vermont landscapers:

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$1,0000.7%$50050%
$500K$2,7000.5%$90067%
$1M$4,5000.5%$2,00056%

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 Vermont Landscapers

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

  • Average cost per employee: $12,400 annually
  • Cost per $100K of payroll: $4,000

Key factors affecting premiums:

  • Employee job classifications
  • Total annual payroll
  • Claims history
  • Safety programs
  • Experience modifier rating

Additional Business Insurance for Landscapers in Vermont

1. Tools & Equipment Insurance

  • Annual premiums: $200-$2,000
  • Coverage ranges: $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 available: $500K-$1M

3. Surety Bonds

Costs based on 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
  • Protects buildings, equipment storage, and contents
  • Coverage for fire, theft, vandalism, 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 Vermont Landscaper Liability with ContractorNerd

ContractorNerd makes liability and business insurance simple, efficient, and data-driven for Vermont 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 team of insurance specialists helps you:

  • Optimize coverage based on your specific risks
  • Find competitive rates through our carrier network
  • Bundle policies for additional savings
  • Ensure compliance with state regulations

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