Landscaping insurance from an independent agency that shops 20+ carriers, gets your workers comp class code right, and turns certificates around fast. Straight answers, competitive quotes, no captive-carrier games. Based in Eugene, Oregon, writing across Oregon, Washington, Idaho, Nevada, Utah, Colorado, and Arizona.
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Landscaping is easy to underinsure and easy to overpay for at the same time. A property manager needs a certificate by tomorrow and you cannot produce one. Your work truck runs on a personal auto policy that denies the claim. Eight thousand dollars of mowers walk off the trailer overnight. Your workers comp is filed under the expensive construction code. None of it is your fault. It is what happens when insurance gets sold instead of advised.
Each one in plain language, built around how a landscaping operation actually runs.
Third-party injury and property damage: a rock off the mower through a window, a trailer into a fence.
Learn more →Your crew, and usually your biggest line. The class code is where most landscapers overpay.
Learn more →Your work trucks and trailers. Personal auto almost never pays for a business accident.
Learn more →Mowers, blowers, and trailers against theft and damage, off-site and in transit.
Learn more →The drift and overspray your base liability policy commonly excludes.
Learn more →Slip-and-fall liability and plow contracts, in the mountain states.
Learn more →GL and property bundled for smaller operations, plus what it leaves out.
Learn more →We will give you the number instead of dodging it. General liability for landscapers commonly runs roughly $700 to $3,000 a year at standard $1M limits, depending on services and revenue. Workers comp is priced per $100 of payroll and swings hard by state and by class code. Commercial auto, equipment, and umbrella vary with your fleet, gear, and contracts. These are ranges, not a quote. Your real number depends on your revenue, payroll, services, and claims history, and the fastest way to it is a quick quote.
There are two main class codes for landscaping labor, and one costs close to double the other. A lot of contractors get filed under the expensive construction code when their crews are really doing maintenance work that belongs in the cheaper code. When state inspectors audit these accounts, most of them get reclassified down. We check your classification before you buy, not after an auditor does, and when it is wrong, fixing it often cuts your comp bill without changing one thing about how you run your business.
Landscaping and lawn care operations across the West, from solo owner-operators to crews of twenty: lawn maintenance and mowing, landscape design and installation, hardscape and retaining walls, irrigation and sprinklers, tree and shrub care, chemical application, and seasonal snow and ice removal. Doing higher-hazard work like large tree removal? Tell us. We will find the carrier that fits instead of forcing you into one that does not.
Start online or talk to an advisor. A few questions about your services, crew, and vehicles.
We bring back the coverage that fits, at a competitive price, with the class code done right.
Bind your policy, get your certificate, and keep your crews moving.
The landscaping Learning Center covers cost, class codes, audits, equipment, and the mistakes that cost the most, written and reviewed by a real advisor.
Tell us about the work, the crew, the vehicles, and the contracts, and we will check your limits, your class code, and your certificates against what your jobs actually require. No pressure, no obligation.
You handle the crews and the customers. We will handle the coverage, the certificates, and the audit landmines, and make sure you are not overpaying to do it.
General education, not a coverage determination. A licensed advisor confirms your policy.