Get landscaper insurance in Washington State. General liability and workers comp for lawn care, landscaping, and tree service businesses. Same-day coverage available.
Most landscapers in Washington need the following types of coverage to protect their business:
Protects against third-party claims for bodily injury, property damage, and advertising injury.
From $19.99/moCovers employee injuries and illnesses that occur on the job.
Covers vehicles used for business purposes.
From $99.99/moHere's what landscapers need to know about insurance requirements in Washington State:
Not sure what coverage you need? Our team can help you understand Washington's requirements for your specific situation.
Get Expert GuidanceLandscaper insurance in Washington typically costs $54.99 to $199.99 per month for general liability. Lawn care and maintenance businesses pay less, while tree service and hardscaping contractors pay more due to higher risk. Workers comp costs depend on your payroll and are paid quarterly.
Washington landscapers need general liability insurance (covering property damage and injuries), workers comp through L&I if you have employees, commercial auto for trucks and trailers, and inland marine coverage for mowers and equipment. Larger operations should also consider umbrella coverage.
Yes, general liability covers damage you cause to a client's property, including underground sprinkler lines, irrigation systems, or utilities you hit while digging. This is one of the most common landscaper claims. Document the property before starting work to protect yourself.
Yes, significantly. Tree removal and trimming is one of the highest-risk landscaping activities due to property damage potential and injury risk. Tree service contractors often pay 2-3x more for insurance than lawn maintenance businesses. Some insurers won't cover tree work at all.
Yes, even small lawn care businesses need insurance. A mower can throw rocks through windows, damage vehicles, or injure bystanders. Many residential clients and all commercial properties require proof of insurance. Coverage is affordable for lawn-only operations starting around $54.99/month.
Get a free quote in minutes. Our Washington State insurance experts are here to help you find the right coverage at the best price.
