Landscapers and tree trimmers ask the same question every season: what will general liability actually cost? Rates vary by state, crew size, equipment, and the work you take on — especially high-hazard tree work. What should not vary is how you start the conversation.
FLASLA helps landscapers and tree trimmers in all 50 states get a clear path to coverage with $0 Down® and simple monthly payments. You request a free indication — a non-binding estimate based on the details you share — so you can compare options without locking into a policy. An indication is not a binder and not a guarantee of coverage.
We underwrite with a high-hazard appetite, which matters when your day includes chainsaws, chippers, elevation, and property-adjacent work. Faulty workmanship: Built into every quote. Designed to protect your reputation.
Insurance is offered through EZBind / Edemnify brokers. Use the form on the homepage to request your free indication, or see dedicated coverage for tree crews at tree trimmer insurance.
What drives landscaper and tree trimmer liability cost?
Your business is not a generic line item. The clearest cost picture comes from showing an underwriter what your crew does, where the work happens, and how you manage the hazards around each job.
State risk
Where your crew works influences underwriting because weather, court environments, jobsite requirements, and local claim patterns differ by state.
Crew size
A larger team can complete more work, but it also creates more jobsite activity and exposure. Accurate owner, employee, and payroll details help sharpen the estimate.
Work mix
Routine mowing and maintenance present a different risk than tree cutting, removals, storm cleanup, hardscape, or other work near buildings and utilities.
Equipment and height
Chainsaws, chippers, lifts, climbing, and elevated work can increase severity when something goes wrong. Tell the full story of the tools and heights your crew handles.
Subcontractors and certificates
Underwriters may ask how you verify subcontractor coverage and whether customers require additional insured status, specific endorsements, or certificates of insurance.
Claims history
Prior losses help underwriters understand your risk. Clear details about what happened and what changed afterward can provide important context.
$0 Down® — start coverage without a big upfront hit
Keep cash available for payroll, fuel, repairs, and the next job. For eligible businesses, $0 Down® uses twelve automatic monthly payments instead of a large upfront payment. Your indication shows whether this payment approach could apply to your business before you decide how to proceed.
Simple monthly payments help make the path to coverage easier to plan around your operating budget.
Indication vs. binder — know the difference
An indication is a free, non-binding estimate based on the information you provide. It helps you understand a possible price and path forward, but it does not place coverage and is not a guarantee of coverage.
A binder or issued policy confirms coverage is in force after underwriting is complete, the terms are accepted, and all requirements are satisfied. Until then, continue to rely on your current policy and written coverage documents.
High-hazard appetite for real field work
Your crew works where small mistakes can create expensive property damage or injuries. Landscapers handle equipment around homes, commercial buildings, vehicles, irrigation, and utilities. Tree trimmers add chainsaws, chippers, falling limbs, climbing, lifts, and storm conditions.
A high-hazard appetite means the conversation begins with an honest picture of that work. Tell us what you actually do so the indication can reflect the risk your business takes on every day.
Faulty workmanship
Built into every quote. Designed to protect your reputation.
Ask about the terms, conditions, and exclusions shown in your indication and policy documents so you understand how the coverage applies to your work.
How to get a clearer cost picture in minutes
You do not need to guess at a generic average. A few accurate details can help move the conversation toward an indication shaped around your actual crew and work.
- 1Tell us where you work and how many people are on your crew.
- 2Describe your services, including tree cutting, removal, storm work, and maximum working height.
- 3Share your equipment, subcontractor use, certificate needs, and claims history.
- 4Submit the homepage form to request your free, no-obligation indication.
Related coverage for tree trimmers
Tree cutting, removal, climbing, storm cleanup, and work near structures need a coverage conversation that reflects the real hazards. Review the dedicated tree trimmer insurance page before requesting your indication.
Landscaper and tree trimmer insurance cost FAQs
How much does landscaper liability insurance cost?
Cost depends on your state, crew size, work mix, and risk profile. Tree work is often higher hazard. Request a free indication on the homepage for a personalized, no-obligation estimate. An indication is not a binder.
Can I get tree trimmer liability insurance with $0 Down®?
Yes. FLASLA markets $0 Down® general liability with simple monthly payments for eligible landscapers and tree trimmers in all 50 states. Ask for a free indication to see how $0 Down® could apply.
Is faulty workmanship included?
Built into every quote. Designed to protect your reputation.
Does FLASLA cover landscapers and tree trimmers in every state?
Yes — all 50 states. FLASLA is Florida-rooted; coverage conversations are national. Offered via EZBind / Edemnify brokers.
What's the difference between an indication and a binder?
An indication is a free, non-binding estimate. A binder or issued policy is coverage in force after underwriting and acceptance. Requesting an indication does not place coverage.
Ready for a clearer path to coverage?
Share the details of your landscaping or tree-trimming business and request a free, no-obligation indication with $0 Down® and simple monthly payments.
Insurance is offered through EZBind / Edemnify brokers.