Landscape designer insurance costs

Landscape contractors and businesses pay an average of $51 per month, or $613 per year, for general liability insurance (sometimes called public liability insurance).

General liability insurance covers common landscaping risks, including third-party property damage and bodily injury. For example, if a landscape architect accidentally breaks home décor on a client's property while planning, a general liability policy would cover any resulting legal expenses.

It also helps pay for legal fees if someone sues your business over copyright infringement or advertising injuries, including defamation.

Some landscape design companies may need proof of general liability insurance to sign a commercial lease or secure a client contract.

Below is the average policy for landscape design businesses that buy from Insureon:

Premium: $51 per month
Policy limits: $1 million per occurrence; $2 million aggregate

Insureon’s licensed agents typically recommend a business owner’s policy (BOP) for small, low-risk landscaping companies. This policy combines general liability coverage with commercial property insurance at a discount to protect your landscape design business property, such as wheelbarrows and trimmers.

For landscape designers, the average cost for a business owner's policy is $80 per month or $962 per year. To protect against financial losses due to a forced closure, such as from a fire or natural disaster, you can also add business interruption insurance to a BOP.

General liability insurance costs depend on factors such as the coverage limits and deductible you choose, the size of your business, your business income, the amount of foot traffic you have, and any additional insured endorsements you select.

Learn more about how your insurance premium is calculated and how to save money on your general liability coverage.

The average cost for workers’ compensation insurance for landscape design professionals is $184 per month, or $2,212 annually.

A workers’ compensation policy covers medical bills and lost wages if you or an employee gets injured or ill on the job, such as a worker who inhales pesticides and gets sick. Businesses that have employees typically must purchase workers' comp to comply with state requirements and avoid penalties.

Workers' comp state laws vary and your specific requirements will depend on the state you live in. For example, all landscape design companies are required to carry a workers' compensation policy in California if they have one or more employees. However, coverage is optional in Texas.

Since health insurance plans can deny claims for injuries related to your job, workers' compensation coverage is also recommended for sole proprietors as a financial safety net and for extra peace of mind.

The cost of workers' comp depends on several factors, primarily your number of employees and their occupational risks. You can save money on your workers' comp coverage by classifying your workers correctly and implementing a risk management plan to minimize employee injuries.

Landscape design companies pay an average of $253 per month, or $3,038 per year, for commercial auto insurance.

This type of business insurance pays for property damage and medical expenses from accidents involving your company vehicles, such as your business-owned trucks. It can also cover vehicle theft, vandalism, and weather damage.

Most states require this type of insurance for vehicles owned by your landscaping business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial car insurance depends on several factors, including the policy limits you choose, claims history, the number and value of your vehicles, and the driving records of anyone permitted to drive. Learn how insurers calculate your premium and how to save money commercial auto coverage.

Landscape designers pay an average of $42 per month, or $500 annually, for contractor’s tools and equipment insurance.

A form of inland marine insurance, this policy covers your business property whether it’s in your office, in transit, or at a job site. Tools insurance can pay for lost, stolen, or damaged tools and equipment valued at $10,000 or less. This includes your lawn mowers, garden hoses, spreaders, leaf blowers, and more.

The cost of contractor's tools and equipment coverage depends on the value of your tools and equipment and the type of work you do.