What Does Landscaping Business Insurance Cost in 2026?
- Nate Jones, CPCU, ARM, CLCS, AU
- 7 days ago
- 2 min read
If you’re running or planning a landscaping business in 2026, one of the first questions you’ll face is: “What will my insurance cost?” Landscaping carries risks like equipment damage, client injuries, and employee accidents. To protect your business—and meet client requirements—you need insurance that fits your budget and risk profile. Below, we break down expected insurance costs in 2026, what influences pricing, and how to get a tailored quote from Wexford Insurance.
Typical Landscaping Business Insurance Costs in 2026
Insurance costs vary widely based on your business size, services offered, number of employees, claims history, location, and chosen coverage limits. Here are realistic ranges you can expect in 2026:
General liability protects your business if someone is injured on a job site or you accidentally damage property.
Average Monthly Cost: ~$40–$121
Annual Cost: ~$480–$1,450+
Most small landscaping businesses in the U.S. pay around $40–$100 per month for general liability coverage, depending on risk level and policy limits.
If you have employees, workers’ compensation coverage is mandatory in most states. It covers medical costs and lost wages for work-related injuries.
Estimated Monthly Cost: ~$38–$169
Annual Cost: ~$450–$2,030+
Factors such as employee count, job duties, and your company’s claims history will influence premiums.
A BOP combines general liability with commercial property insurance and can be a cost-effective option for many landscaping businesses.
Average Monthly Cost: ~$94–$177
Annual Cost: ~$1,130–$2,120+
This can be a smart choice if you want broader protection without separate policies.
Other Coverages
Commercial Auto Insurance: ~$200+ per month per vehicle
Equipment/Tools Insurance: ~$30–$50 per month
Professional Liability (if applicable): ~$40–$60 per month
Estimated Total Annual Cost
For a small landscaping operation with a few employees and standard coverage, total insurance costs in 2026 may fall roughly between $3,000 and $7,000+ per year, depending on the mix of policies you choose and your risk profile. Larger operations, additional vehicles, or higher coverage limits can push total premiums higher.
What Influences Insurance Costs?
Several key factors affect what you’ll pay:
Business size and payroll – More employees and higher payroll generally mean higher premiums.
Type of services offered – Hardscaping, tree work, or pesticide application can increase risk and cost.
Location – State and local regulations, climate, and claim trends influence rates.
Claims history – A clean record helps keep costs lower.
Safety protocols – Documented training and risk management can reduce premiums.
How to Get the Best Quote
To get the most accurate and competitive insurance pricing in 2026:
Prepare business details — revenue, payroll, services, vehicles, and equipment.
Understand your coverage needs — general liability, workers’ comp, auto, etc.
Document safety practices — training and written procedures can lower premiums.
Request a personalized quote from experts like Wexford Insurance, who specialize in contractor coverage.