As a landscaping business owner in Wisconsin, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the essential insurance coverages Wisconsin landscapers need, including costs based on our analysis of actual quotes from leading carriers.
Discover key landscaping company liability coverage requirements.
General Liability Insurance for Wisconsin Landscapers
General liability insurance protects landscaping businesses from third-party claims of property damage and bodily injury. Based on our analysis of over 1,000 landscaper quotes, here are the typical costs for Wisconsin landscapers:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $1,500 | 1.0% | $1,000 | 33% |
| $500K | $4,100 | 0.8% | $3,100 | 24% |
| $1M | $7,100 | 0.7% | $4,300 | 39% |
These premiums assume:
- Clean claims history (5+ years without incidents)
- Standard $1M/$2M coverage limits
- 10% subcontractor costs
- Typical mix of residential and commercial work
Worker’s Compensation Insurance for Wisconsin Landscapers
Worker’s compensation insurance is required for Wisconsin landscaping businesses with employees. Based on our analysis:
- Average cost per employee: $6,690 annually
- Cost per $100K payroll: $2,700
Key factors affecting premiums:
- Employee classification codes (primarily 0042 for landscaping)
- Total payroll
- Claims history
- Safety programs
- Experience modifier rating (EMR)
Additional Business Insurance for Landscapers in Wisconsin
1. 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 for larger operations
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+
- Essential for landscape design services
4. Surety Bonds
Based on credit score:
| 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 |
5. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Covers buildings, equipment storage, and contents
- Protection against fire, theft, and weather damage
Get Wisconsin Landscaper Liability with ContractorNerd
ContractorNerd makes landscaper insurance simple and data-driven through:
- 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 landscaper insurance specialists helps you:
- Optimize coverage levels based on your specific risks
- Find competitive rates through our carrier network
- Bundle policies for additional savings
- Ensure compliance with state regulations
Based on our analysis, Wisconsin landscapers can typically save 25-50% on their insurance premiums through our platform:
| Business Size | Potential Savings |
|---|---|
| Small ($150K) | 25-45% |
| Mid ($500K) | 35-50% |
| Large ($1M+) | 35-50% |
Contact ContractorNerd today for tailored quotes for your Wisconsin landscaping business.