Pricing Guide

How much does landscaping insurance cost in Florida?

Q: How much does landscaping insurance cost in Florida?

On average, Florida landscaping insurance costs about $100/month ($1,200/year) for a solo operator carrying $1M/$2M general liability. Two- to five-person crews typically run $150–$350/month. Crews of 5–10 doing tree work, chemical application, or hardscape construction usually pay $400–$800/month.

The short answer: about $100/month for a solo Florida landscaper carrying $1M/$2M general liability. Real pricing depends on crew size, the trades you perform, and what your commercial customers require.

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Average cost by crew size

Solo Operator

Range: $75–$125/mo

~$100/mo

1 owner, mowing/maintenance, no chemical work, $1M/$2M GL only.

•General Liability $1M/$2M
•Optional inland marine for trailer + equipment
•Workers' comp not required (sole prop, no employees)

Small Crew (2–5)

Range: $150–$350/mo

~$200/mo

Owner + a few crew, 1–2 trucks, residential and light commercial work.

•General Liability $1M/$2M
•Commercial Auto for 1–2 vehicles
•Inland Marine for equipment
•Workers' Comp (required at 4+ employees)

Mid-size (5–10)

Range: $400–$800/mo

~$500/mo

HOA contracts, hardscape, irrigation, and some chemical application.

•GL $1M/$2M with XCU endorsement
•Commercial Auto fleet
•Workers' Comp under multiple class codes
•Pesticide/herbicide applicator endorsement
•Often a $1M–$5M umbrella

Large Operation (10+)

Range: $1,000–$5,000+/mo

$1,000+/mo

Tree care, commercial design/build, municipal contracts.

•GL with completed-ops + XCU
•Workers' Comp (codes 0042, 0106, 5183)
•Commercial Auto for full fleet
•$5M+ umbrella for municipal/school work
•Surplus-lines carrier likely for tree work

What drives your premium up or down

Payroll size

Workers' comp and GL are payroll-rated. Doubling payroll roughly doubles those premiums.

Trade mix

Tree work (code 0106) costs ~$13.80/$100 payroll vs. mowing (0042) at ~$5.50/$100 — 2.5× more.

Chemical application

Adding pesticide/herbicide work requires a $200–$600 endorsement and bumps GL by 10–25%.

Hardscape & construction

Construction classification triggers workers' comp at 1 employee instead of 4.

Commercial auto fleet

Each truck adds $1,800–$3,500/yr depending on driver MVRs and GVWR.

Claims history

One paid claim in the last 3 years can raise GL premiums 15–40% and limit carrier options.

Umbrella limits

$1M umbrella runs $400–$900/yr. Going to $5M for municipal contracts adds $1,500–$3,000/yr.

Why FLASLA members pay less

Our multi-carrier program quotes the same risk to 4–8 Florida-licensed carriers simultaneously. Members typically save 12–18% versus single-agent quotes because we surface the carrier whose underwriting appetite actually matches landscape and tree-care risk — instead of whichever one your local agent happens to write.

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