For landscaping companies in Vermont, spring’s arrival ignites eager anticipation of tending to the Green Mountain State’s verdant landscapes and lush lawns. But even the most skilled landscaping professionals must hedge risks from liability claims, property damage, employee injuries and more to sustain success. The right insurance coverage helps mitigate these perils, while keeping your business compliant and competitive.

This in-depth guide examines key factors influencing landscaper insurance costs across Vermont. It breaks down typical policies and premium ranges based on your company’s size, services, equipment, and exposures. With insight on optimizing coverage, you can landscape Vermont safely and affordably. Whether starting up or scaling your existing operation, leverage this intel as an insightful insurance resource.

Landscapers working in Vermont need to have the right insurance protection for landscaping in place. This usually includes general liability coverage for landscapers to protect against third-party claims and workers’ compensation insurance for landscaping businesses to cover employee injuries on the job.

Key Statistics for Landscapers in Vermont

Here are helpful benchmarks on Vermont’s landscaping sector to contextualize the insurance information provided:

  • Number of landscaping companies statewide: 1,100
  • Average salary for landscapers in Vermont: $45,000
  • Minimum general liability limits required by most contracts: $500,000 per occurrence
  • Workers’ compensation premium per $100 of payroll: $3.73
  • Typical general liability class codes: 9102 (Lawncare), 0042 (Landscaping)

These figures establish a baseline understanding of the Vermont landscaping industry. But your specific operations, services, equipment, number of employees, and exposures ultimately determine your business’ ideal insurance portfolio. Working with an independent insurance broker well-versed in Vermont landscaper risks is key to designing adequate, cost-effective protection tailored to your company’s needs.

Key Factors Influencing Insurance Costs for Landscapers

Your insurance premiums are based on the below aspects of your landscaping business:

Annual Revenue: Higher annual revenue signals your business likely oversees more client accounts, takes on more projects, and has increased exposure potential. This generally translates to higher premiums across multiple policies like general liability and business property insurance.

Payroll Size: More employees mean increased risks and insurance exposures, particularly when it comes to workers’ compensation. Larger annual payroll costs drive workers’ comp premiums upward.

Services Offered: Specialized, high-risk services like tree removal, drainage system installation, and concrete work warrant pricier insurance coverage than routine lawn mowing and maintenance. The risks associated with your services are accounted for in your premiums.

Equipment Value: Insurers charge more to cover expensive landscaping tools, vehicles, machinery, and trailers due to the greater potential payouts if these assets are damaged or stolen. Higher total values equal higher premiums.

Location: Landscaping companies operating in urban regions of Vermont with more crime, risk of lawsuits, and exposure potential tend to have elevated insurance premiums across multiple lines. Rural areas may experience lower costs.

Claims History: Past losses lead insurers to view your business as higher risk, prompting increases in premiums upon renewal. Maintaining a positive, claim-free record helps keep costs affordable. Too many claims can result in coverage being dropped.

Client Type: Serving municipalities, universities, or large commercial clients increases liability exposures due to their higher risk appetites and propensity to sue. This impacts general liability and umbrella policy premiums.

Now that you understand the key variables that influence landscaper insurance costs in Vermont, let’s examine typical premium ranges based on your business’ size and stage.

Small Landscaping Business Insurance Costs

For Vermont landscaping businesses with less than $500,000 in annual revenue, here are typical insurance policies along with estimated annual premium ranges:

General Liability Insurance

Recommended Limits: $500,000 to $1 million occurrence limit; $1 million to $2 million aggregate limit

Typical Annual Premium: $500 to $1,300

Overview: General liability insurance covers 3rd party property damage and bodily injury claims arising from your business operations should a customer allege you damaged their property or caused them harm. It covers legal defense costs and settlements up to your policy limits. General liability insurance is required by most commercial landscaping contracts.

Workers’ Compensation Insurance

Limits: Statutory limits set by Vermont

Typical Annual Premium: $2,500 to $4,300

Overview: Workers’ compensation insurance covers medical expenses and lost wages for employees who suffer job-related illnesses or injuries. This coverage is mandatory for all Vermont businesses with one or more employees. Premiums are calculated based on payroll size and risk classification codes.

Inland Marine (Equipment) Insurance

Typical Limits: $10,000 to $50,000

Typical Annual Premium: $750 to $2,500

Overview: Inland marine insurance covers landscaping tools, equipment, machinery and trailers for damage and theft. For small landscaping businesses, it’s crucial for protecting your assets while in the shop, in transit, and on job sites. Make sure to insure all owned equipment.

Commercial Auto Insurance

Recommended Limits: $500,000 combined single liability limit

Typical Annual Premium: $1,000 to $2,500 per vehicle

Overview: Commercial auto insurance protects company vehicles in the event of collision, theft and liability claims. Limits of $500,000 are commonly recommended. Workers’ compensation covers employees injured in a crash. Auto insurance is legally required in Vermont.

Business Owner’s Policy (BOP)

Typical Limits: $500,000 to $1 million

Typical Annual Premium: $4,000 to $7,500

Overview: BOPs bundle general liability, commercial property, and inland marine under one simple policy. This streamlines insurance for qualifying small landscaping businesses. BOPs often provide premium discounts as well.

Medium Sized Landscaping Business Insurance Costs

For landscaping companies with $500,000 to $1 million in annual revenue and a few employees, typical policies and estimated premium ranges are:

General Liability

Recommended Limits: $1 million to $2 million per occurrence; $2 million to $4 million aggregate

Typical Annual Premium: $1,000 to $4,900

Workers’ Compensation

Limits: Statutory limits set by Vermont

Typical Annual Premium: $7,400 to $12,300

Inland Marine (Equipment)

Typical Limits: $25,000 to $75,000

Typical Annual Premium: $1,500 to $3,500

Commercial Auto

Recommended Limits: $750,000 to $1 million combined single limit

Typical Annual Premium: $1,750 to $3,250 per vehicle

Umbrella Liability

Typical Limit: $1 million

Typical Annual Premium: $750 to $1,500

Overview: Umbrella insurance provides extra liability coverage beyond the limits of your general liability and auto policies. This is wise to consider as your business grows.

Employment Practices Liability

Typical Limits: $100,000 to $250,000

Typical Annual Premium: $1,500 to $2,500

Overview: EPLI insurance covers defense costs and settlements associated with employment-related lawsuits alleging discrimination, harassment, wrongful termination and other employee claims. More pertinent as your staff expands.

Large Landscaping Business Insurance Costs

For established Vermont landscaping companies with over $1 million in annual revenue and multiple employees, typical policies and estimated premium ranges are:

General Liability

Recommended Limits: $2 million to $5 million per occurrence; $4 million to $10 million aggregate

Typical Annual Premium: $2,100 to $8,100

Workers’ Compensation

Limits: Statutory limits set by Vermont

Typical Annual Premium: $12,400 to $19,200

Inland Marine (Equipment)

Typical Limits: $100,000 to $250,000

Typical Annual Premium: $2,500 to $5,000

Commercial Auto

Recommended Limits: $1 million to $2 million combined single limit

Typical Annual Premium: $2,000 to $4,000 per vehicle

Umbrella Liability

Typical Limits: $2 million to $5 million

Typical Annual Premium: $1,500 to $4,000

Employment Practices Liability

Typical Limits: $250,000 to $500,000

Typical Annual Premium: $3,500 to $6,000

Cyber Liability

Typical Limits: $500,000 to $1 million

Typical Annual Premium: $900 to $1,500

Overview: Cyber liability insurance is vital for larger landscapers with increased reliance on networked systems and digital records. It covers costs associated with data breaches, hacking incidents, and electronic theft.

Additional Insurance Coverages for Landscapers

Beyond the standard policies detailed above, Vermont landscaping businesses may need the following supplemental insurance coverages:

Pollution Liability Insurance – Covers third-party bodily injury and property damage as well as cleanup costs from pollution incidents related to pesticide, herbicide or fertilizer applications. Especially useful for landscape construction companies and large chemical applicators given EPA oversight in the industry.

Commercial Property Insurance – Protects your business properties like office buildings, sheds, shops, and storage facilities from damage caused by events like fire, wind, vandalism, theft and more. Required by lenders if you own the buildings.

Building Ordinance or Law Insurance – Covers the increased costs involved with rebuilding properties to meet new building codes and ordinances after a major covered loss. A smart addition to commercial property coverage.

Business Interruption Insurance – Replaces income lost if damage to your property temporarily halts your landscaping operations. Essential if your business depends on uninterrupted seasonal revenue.

Equipment Breakdown Insurance – Pays to repair or replace mechanical equipment like hydraulic systems, generators and electrical apparatus damaged from electrical surges, equipment failure, or operator error.

Commercial Crime Insurance – Protects your business from financial loss associated with employee theft, forgery, computer fraud, ransomware attacks, robbery and vandalism of business records.

Surety Bonds – Covers you if the customer alleges you failed to deliver services per the landscaping contract. Protects the customer if you can’t complete a job. Often required by law for public contracts.

How Insurance Carriers Determine Landscaper Premiums

To price your policies, insurance carriers evaluate several criteria and risk factors about your landscaping business:

  • Claims history – More frequent or severe losses mean higher liability premiums

  • Services performed – Riskier, technical work warrants pricier insurance

  • Type and value of equipment used – More expensive equipment leads to higher inland marine premiums

  • Number of employees – Additional staff increase workers’ comp and liability exposures

  • Safety programs and protocols – Strong safety processes help lower premiums

  • Annual revenue size – Higher revenue boosts potential losses across multiple lines

  • Contract requirements – Limits like $2M GL mandated by clients raise premiums

  • Property values – More expensive insured buildings lead to pricier property premiums

  • Deductible levels selected – Higher deductibles reduce premiums but increase out-of-pocket costs

  • Loss control measures – Locked storage, protective gear, driver training, etc. help reduce premiums

Carefully examining these factors helps you make informed decisions to obtain adequate, cost-effective insurance tailored to your company’s needs and evolving risk profile. An experienced broker that accesses specialist landscaper carriers can further help strike the optimal balance between coverage and premiums.

Getting the Right Insurance for Your Vermont Landscaping Business

Here are tips for securing proper, affordable insurance for your Vermont landscaping operation:

Use a Landscaper Specialist Agent – Work with an independent insurance agent who has access to niche landscaper carriers rather than just direct-to-consumer sites. Specialist insurers truly understand the unique risks landscapers face and can deliver tailored solutions at competitive pricing. An agent acts as your advocate and consults on proper coverage.

Bundle Policies for Savings – Insurers offer premium discounts for packaging multiple policies together. Optimize savings by bundling general liability, commercial auto, umbrella, inland marine, property, and other lines with one carrier. Business owner’s policies (BOPs) simplify insurance for small landscapers.

Annually Audit Contracts – Review landscaping contracts to ensure you consistently meet insurance limits and additional insured requirements specified by clients. Doing so protects you legally and avoids dangerous coverage gaps. Adjust policies as needed.

Conduct Risk Assessments – Inventory equipment, properties, completed projects, staff, vehicles, chemicals used, services offered and revenue annually. Adjust Limits to adequately cover evolving exposures. Don’t underinsure or overpay.

Implement Safety Protocols – Formally document safety processes like protective gear requirements, equipment maintenance schedules, MVR driver checks, job site security, accident investigation, etc. Demonstrating your risk management commitment helps insurers favorably rate your account.

Examine Loss Runs – Review loss run reports with your agent to identify frequent claims causes. Address areas of concern through improved safety protocols and risk control to prevent recurrences. Keeping claims and premiums low requires vigilance.

Increase Deductibles – Ask your agent about possibly raising deductibles in exchange for policy discounts. Weigh larger out-of-pocket costs against potential premium savings to find the optimal balance for your business.

Compare Carriers – When policies renew, have your agent shop quotes with various admitted/surplus lines landscaper insurers and compare rates. Switching could reduce costs, but insist on experienced claims service.


As warmer weather descends on Vermont, landscapers eagerly ready equipment and prepare for a busy season beautifying properties across the Green Mountain State. But dedicating time to implement a proper insurance plan is equally important to strategically grow and safeguard your business. With a trusted agent as your advisor, you can secure adequate, affordable coverage specific to your company’s size and exposures. Contact an insurance professional to discuss your unique risks and insurance options today, so you can focus on increasing success through delivering excellent service – not worrying about unforeseen perils. Here’s to a productive 2023 landscaping season in Vermont!