Insurance Requirements for Landscaping Contractor Businesses
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
Landscaping contractor businesses face a wide range of risks, from employee injuries and equipment damage to property liability claims. Because of these risks, many states, municipalities, and clients require landscaping contractors to carry specific types of business insurance before starting work. Understanding these insurance requirements helps keep your business compliant, protected, and competitive. This guide explains the most common insurance requirements for landscaping contractors and how to secure coverage through Wexford Insurance.
Why Insurance Requirements Matter
Insurance requirements exist to protect everyone involved—your business, your employees, and your clients. Without proper coverage, a single accident could result in significant out-of-pocket expenses or legal penalties. In many cases, landscaping contractors must show proof of insurance to:
Obtain business licenses or permits
Meet state or local regulatory requirements
Sign contracts with commercial or residential clients
Work as a subcontractor for larger projects
Failing to meet these requirements can delay projects or result in fines and lost business opportunities.
Required Insurance Coverage for Landscaping Contractors
General liability insurance is the most commonly required coverage for landscaping contractors. It protects your business from claims involving:
Third-party bodily injury
Property damage caused during landscaping work
Legal defense and settlement costs
Many clients require a certificate of general liability insurance before allowing work to begin.
Workers’ compensation insurance is required in most states if you have employees. Landscaping work involves physical labor, heavy equipment, and outdoor conditions, which increase the risk of injury. Workers’ comp covers:
Medical expenses for injured employees
Lost wages during recovery
Employer liability related to workplace injuries
State requirements vary, so it’s important to confirm your obligations.
If your landscaping business uses vehicles to transport equipment, materials, or employees, commercial auto insurance is typically required. This coverage protects against:
Accidents involving company vehicles
Property damage and bodily injury liability
Vehicle repair or replacement costs
Personal auto insurance usually does not cover business use.
Factors That Affect Insurance Requirements
Insurance requirements may vary based on:
State and local regulations
Number of employees
Types of landscaping services offered
Size and scope of projects
Contract or vendor requirements
For safety and compliance guidance, the Occupational Safety and Health Administration (OSHA) provides resources relevant to landscaping and outdoor work.
How to Get Compliant Coverage
To meet insurance requirements quickly and accurately:
Identify state and local insurance requirements
Review contract insurance clauses carefully
Gather business details such as payroll, vehicles, and services
Work with a specialist like Wexford Insurance, which understands landscaping contractor requirements and helps ensure compliance