Landscaping Business Insurance



When it comes to insurance for your landscaping business, you want to dig your coverage. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is as impressive as the grounds you keep. From General Liability to Workers’ Compensation, each landscaping insurance policy is designed with your needs in mind.



How to Get Insurance for Your Landscaping Business

Finding business insurance for your landscaping business has never been easier. Get a quote online by following these steps:

Step One

Tell us about your unique business needs.

step Two

We’ll show you a quote tailored to your business.

Step 3

Accept the quote and insure your business!

START A QUOTE !

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Types of Landscaping Insurance

Accidents can happen. Protect yourself, your customers, and your landscaping business with insurance. Recommended insurance policies for landscapers include: 



BOP

General liability, business property, and cyber liability are all included in a Business Owners Policy (BOP). A landscaper may choose a BOP over purchasing individual coverages because it not only safeguards your business against multiple liabilities, but it could be cheaper than purchasing each policy separately.


General Liability

General liability is commonly purchased by landscapers as some clients might require your business to have it before you can work with them. It is a type of insurance that could cover costs associated with third-party bodily injuries, third-party property damage, and advertising injures. In the event of an incident, you may be required to pay for the claim and any legal fees out of pocket if you do not have coverage.

Learn more about
general liability

Business Property

You should strongly consider business property insurance if your business owns equipment that would be expensive to replace. Business property insurance could help to cover equipment and tools if they are lost, stolen, or damaged.

Learn more about
business property

Cyber

If you collect and store client information electronically you may want to consider a cyber insurance policy. Cyber insurance can cover expenses related to determining the damage or loss of sensitive electronic data including addresses and credit card information. Legal expenses and the cost of notifying affected clients could be covered.

LEARN MORE ABOUT
CYBER INSURANCE



Workers’ Comp

If an employee is harmed while performing work duties, Workers’ Compensation can protect your business operations and help to facilitate injured workers’ recovery and return to work. It can help cover medical bills, lost wages, and rehabilitation costs for work-related injuries and illnesses of an employee.



HomeHQ

Looking for liability, property, and stock insurance for your home-based business? Luckily for you, HomeHQSM combines all three coverages into one convenient policy making it easier to manage and could save you time from purchasing these coverages separately.


Top Landscaping Businesses We Insure:

PolicySweet understands the unique risks that landscaping businesses could face, so we customize coverage to fit their business needs. Examples of landscaping businesses include:

Can’t find your business. We might be able to help. Contact us today >



Top Landscaping Businesses We Insure:


Landscaping Insurance FAQs


Business Articles for Landscapers

Tips for Calculating Workers’ Compensation Insurance Premiums for Your Business

Employee in coffee shop

Companies in the U.S. pay $62 billion annually for workplace injuries and illnesses. If you own a business, these numbers make it clear that having Workers' Compensation insurance is essential. In fact, for many companies, it is the law.

However, before purchasing this policy, you probably want to know what it may cost you. Here you can find helpful information regarding how to determine Workers' Comp premiums, so you know what this type of insurance could cost you.

Estimating the Cost of Workers’ Comp Premiums

If you want to determine what Workers’ Comp premiums could cost your business, use the information found below.

1. Add Up Payroll for Each Employee

Workers' Compensation insurance policies are based on your payroll. This is true regardless of if the employee is seasonal, temporary, part-time, or full time.

Start with each employee's gross payroll. To do this:

  • Round each worker's payroll to the nearest $1,000
  • Estimate projected payroll if no annual amount is available

If you hire independent contractors, check your state regulations to know if you are liable for their Workers' Compensation coverage.

2. Find Your Classification Code

Your business's classification code is one of the most essential details you must get right if you want to get an accurate quote.

A class code is a four-digit number that is assigned to your business based on your industry. When similar businesses are grouped together, it is possible to collect data on Workers' Compensation claims and workplace injuries. The information is then used by the rating agency to determine the risk associated with the type of work and assign a rate to determine the relative risk.

To determine your classification code, figure out the answers to the following:

  • Your main service or product
  • Tasks that employees handle
  • Coverage for contractors or sub-contractors

Once you know this, you can move on to the next step.

3. Look Up Your Business's Workers' Compensation Rate

The Workers' Compensation cost is based on the rate that is set by the state's rating bureau or agency. Check with the regulatory body of your state to figure out which agency sets these.

The rate is represented as the cost for every $100 in payroll. So, if the rate is $0.35, it means that if your business has $100,000 in total payroll, you could pay $350 per year for Workers' Comp premiums.

Your state's rate and annual payroll amount will determine the premium you ultimately pay.

Understanding Your Workers’ Compensation Premium

While determining the amount of Workers' Compensation your business requires may be challenging, it is something that all business owners need to do. This may protect you and your workers.

If you need to purchase Workers' Compensation insurance, you can request an instant quote online and purchase today. Our easy to use quoter finds your class code and does the math for you!

If you have questions about your existing Workers' Comp premiums, please contact us. Our team can help you get the coverage you may need, and we can answer any questions you have about this coverage and protecting your business.

Get a Quote Now > 

Tips for Calculating Workers’ Compensation Insurance Premiums for Your Business

Employee in coffee shop

Companies in the U.S. pay $62 billion annually for workplace injuries and illnesses. If you own a business, these numbers make it clear that having Workers' Compensation insurance is essential. In fact, for many companies, it is the law.

However, before purchasing this policy, you probably want to know what it may cost you. Here you can find helpful information regarding how to determine Workers' Comp premiums, so you know what this type of insurance could cost you.

Estimating the Cost of Workers’ Comp Premiums

If you want to determine what Workers’ Comp premiums could cost your business, use the information found below.

1. Add Up Payroll for Each Employee

Workers' Compensation insurance policies are based on your payroll. This is true regardless of if the employee is seasonal, temporary, part-time, or full time.

Start with each employee's gross payroll. To do this:

  • Round each worker's payroll to the nearest $1,000
  • Estimate projected payroll if no annual amount is available

If you hire independent contractors, check your state regulations to know if you are liable for their Workers' Compensation coverage.

2. Find Your Classification Code

Your business's classification code is one of the most essential details you must get right if you want to get an accurate quote.

A class code is a four-digit number that is assigned to your business based on your industry. When similar businesses are grouped together, it is possible to collect data on Workers' Compensation claims and workplace injuries. The information is then used by the rating agency to determine the risk associated with the type of work and assign a rate to determine the relative risk.

To determine your classification code, figure out the answers to the following:

  • Your main service or product
  • Tasks that employees handle
  • Coverage for contractors or sub-contractors

Once you know this, you can move on to the next step.

3. Look Up Your Business's Workers' Compensation Rate

The Workers' Compensation cost is based on the rate that is set by the state's rating bureau or agency. Check with the regulatory body of your state to figure out which agency sets these.

The rate is represented as the cost for every $100 in payroll. So, if the rate is $0.35, it means that if your business has $100,000 in total payroll, you could pay $350 per year for Workers' Comp premiums.

Your state's rate and annual payroll amount will determine the premium you ultimately pay.

Understanding Your Workers’ Compensation Premium

While determining the amount of Workers' Compensation your business requires may be challenging, it is something that all business owners need to do. This may protect you and your workers.

If you need to purchase Workers' Compensation insurance, you can request an instant quote online and purchase today. Our easy to use quoter finds your class code and does the math for you!

If you have questions about your existing Workers' Comp premiums, please contact us. Our team can help you get the coverage you may need, and we can answer any questions you have about this coverage and protecting your business.

Get a Quote Now >