Texas Landscaping & Lawn Care Insurance — Fast COI

General liability for landscaping contractors and lawn care businesses in Texas. Quote online, bind the same day, and get your certificate before the next job.

Landscapers & Lawn CareSame-Day COIA-Rated Carriers$1M / $2M LimitsMonthly Payments
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Per-Job Quote (Thimble)
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Annual policy: NEXT Insurance  ·  Per-job / short-term: Thimble  ·  Boerne / San Antonio: 210-640-7050

What Coverage Does a Landscaping Contractor Need?

General Liability

Covers bodily injury and property damage to third parties caused by your work or operations. Required by most HOAs, commercial properties, and general contractors before you begin work on site.

Completed Operations

Covers claims that arise after the job is done — drainage work that floods a neighbor’s yard, a tree that falls after removal, or a retaining wall that shifts. Critical for landscaping contractors doing more than basic mowing.

Additional Insureds

HOAs, property managers, and commercial clients will require you to name them on your policy. We handle the endorsements so your COI is accepted without pushback.

Waiver of Subrogation

Required on most Texas commercial landscaping contracts and municipal bids. Standard online policies don’t always include it — we add it when needed.

Workers’ Comp

Landscaping crews carry significant injury risk — heat exposure, equipment accidents, lifting injuries. If you have employees, WC covers their medical costs. Many commercial clients require proof of WC before crews arrive.

Commercial Auto

Personal auto insurance won’t cover a trailer accident or damage caused while towing equipment to a job site. If you drive trucks or tow trailers for work, commercial auto coverage is essential.

Landscaping-Specific Risk: Property Damage & Equipment Hazards

Landscaping operations involve heavy equipment, debris, and work adjacent to structures, utilities, and neighboring properties. Flying debris from mowers and trimmers, accidental damage to irrigation systems, and improper grading that causes drainage issues are among the most common claims. Make sure your GL policy covers your actual scope of work — basic mowing-only policies exist, but they may not cover tree work, grading, or hardscape installation.

What Does Landscaping Insurance Cost in Texas?

Typical annual premiums for a Texas landscaping contractor with no prior claims:

GL Only — Solo
$700–$1,300
per year
GL — Small Crew
$1,400–$2,600
per year
Per-Job (Thimble)
$15–$50
per day / job
Workers’ Comp
$5–$10
per $100 payroll

Tree removal, grading, irrigation, or hardscape work may increase premiums. Prior claims or large crews also affect pricing. Monthly payment options available.

Who This Is For

Lawn Care & Mowing

Solo operators and small crews doing residential mowing, edging, and basic maintenance. Most qualify for fast online binding through NEXT or Thimble with same-day COI.

Full-Service Landscapers

Design, install, and maintenance operations. Planting, mulching, bed work, seasonal cleanups. Standard commercial GL available with the right carrier selection for your scope.

Irrigation Contractors

Installation and repair of irrigation systems carries pipe-damage and flood exposure. We place coverage with carriers familiar with irrigation trade risks — not generic policies that may exclude it.

Tree Service & Removal

Tree work is higher-hazard and goes to our advisor path. Online binding is not available for tree removal — a licensed specialist will shop multiple carriers for the right fit.

How It Works

1

Answer Questions

Trade type, scope, payroll, prior claims. 5 minutes for simple operations.

2

Get Your Quote

Instant pricing from A-rated carriers. Annual through NEXT or per-job through Thimble.

3

Bind & Get COI

Pay online, download your certificate immediately. Ready before your next job.

Tree removal, large crews, prior claims, or commercial contract requirements? Use the specialist path for a broader market review.

Common Questions

Do I need GL to do landscaping work in Texas?
Texas does not legally require GL for most landscaping work, but HOAs, property managers, commercial clients, and general contractors almost always require proof of GL before allowing vendors on site. A COI is the standard proof of coverage.
What limits do I need for commercial landscaping contracts?
Most commercial clients require $1M per occurrence / $2M aggregate. Municipal contracts and larger commercial properties often require $2M per occurrence. Always check your contract before purchasing — we can match your policy limits to what’s required.
Does GL cover damage to a client’s irrigation system or sprinkler heads?
It depends on how the damage occurred. GL covers accidental property damage to third-party property caused by your operations. Intentional removal or planned work on the system itself may not be covered. Our specialists can help clarify what’s covered under your specific situation.
Can I get same-day coverage for a job starting tomorrow?
Yes — for most standard lawn care and landscaping operations with clean loss history. Bind online through NEXT or Thimble and download your COI in minutes. Tree work and large-scale grading projects go to the advisor lane and may take longer.
Does my policy cover subcontractors I hire?
Standard GL policies often exclude subcontractor work or require subs to carry their own coverage. If you use subs regularly — seasonal help, specialized crews — tell our specialists so we structure the policy to cover that exposure properly.
I only mow a few yards on weekends. Do I really need insurance?
If you’re taking money for the work, you’re operating a business — and your homeowner’s or renter’s policy won’t cover a liability claim from a client’s property. Thimble’s per-job option lets you get covered for exactly the days you’re working, starting at a few dollars a day.

Ready to Get Your COI?

Quote online in minutes or talk to a Texas specialist for complex operations.

Get Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist

Boerne / San Antonio: 210-640-7050  ·  Specializing in TX contractor GL & WC since 2010