Commercial Auto Insurance for Landscaping Businesses: Cost & Tips
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Landscaping businesses rely heavily on trucks, trailers, and vans to transport equipment, employees, and materials to job sites. That’s why commercial auto insurance is essential. It protects your vehicles and your business from financial losses due to accidents, injuries, or property damage. In this guide, we’ll break down typical costs, key factors affecting premiums, and tips for reducing your insurance expenses, while showing how to get a personalized quote from Wexford Insurance.
Why Landscaping Businesses Need Commercial Auto Insurance
Commercial vehicles are exposed to high risks, including:
Accidents on public roads
Damage to client property while transporting equipment
Employee injuries while driving or loading/unloading
A personal auto policy usually does not cover business use, making commercial auto insurance mandatory for most landscaping businesses with trucks, trailers, or vans.
Factors That Affect Commercial Auto Insurance Costs
Number and Type of Vehicles
More vehicles increase premiums
Larger or specialty trucks (e.g., dump trucks or trailers) cost more to insure
Driver History
Accidents or traffic violations can raise rates
Maintaining a clean driving record lowers premiums
Business Location
Urban areas with higher traffic and accident rates often have higher insurance costs
State regulations also influence pricing
Usage and Mileage
Vehicles used daily for multiple jobs or long-distance transport may have higher premiums
Coverage Limits and Deductibles
Higher liability limits and lower deductibles increase costs
Bundling with other policies may reduce overall premiums
Typical Costs
Commercial auto insurance costs vary, but landscaping businesses can expect:
Small operations (1–3 vehicles): $150–$300 per month per vehicle
Medium operations (4–10 vehicles): $300–$600 per month per vehicle
Larger operations (10+ vehicles): $500+ per month per vehicle
Exact premiums depend on vehicle type, coverage limits, business size, and claims history.
Tips to Reduce Commercial Auto Insurance Costs
Maintain a safe driving program – Train employees on safe driving practices and monitor vehicle usage
Bundle policies – Combine commercial auto with general liability, workers’ comp, or a Business Owners Policy (BOP) to reduce overall premiums
Choose appropriate coverage limits – Avoid over-insuring while ensuring adequate protection
Use a specialist broker – Wexford Insurance helps landscaping contractors find competitive rates tailored to your business
