Landscaper Insurance in San Diego County
Landscaping Contractors in California carry GL, WC, and (if licensed under CSLB) a $25K license bond. TWT bundles them in one quote with same-day COIs.
Key Takeaways for Landscapers
- CSLB Requirements: Class C-27 Landscaping contractors must carry a $25,000 bond. Note that tree service (D-49) requires Workers' Comp immediately under SB 216, even if solo.
- Cost Expectations: Basic lawn maintenance has low GL rates. Hardscaping and tree trimming significantly increase premiums.
- Same-Day COIs: We issue Certificates of Insurance (COIs) with Additional Insured endorsements the same day.
Coverages Every Landscaper Needs
General Liability
Covers broken windows from flying rocks, sprinkler flooding, and trip hazards.
Learn More arrow_forwardWorkers' Compensation
Class code 0042. Covers cuts from mowers, heat stroke, and heavy lifting injuries.
Learn More arrow_forwardTools & Equipment
Coverage for zero-turn mowers, chainsaws, blowers, and trailers.
Learn More arrow_forwardLicense Bond
$25,000 CSLB bond required for an active C-27 Landscaping license.
Learn More arrow_forwardWhat's Covered vs. Excluded
Typically Covered | Common Exclusions |
|---|---|
| Third-party bodily injury (e.g., client trips over tools) | Employee injuries (Requires Workers' Compensation) |
| Property damage caused by your work to other property | Damage to your own tools/equipment (Requires Inland Marine / Tools) |
| Completed operations (post-construction claims) | Accidents in company vehicles (Requires Commercial Auto) |
| Damage to the structure under construction (if you hold Builders Risk) | Damage to the specific part of property you are working on (Faulty Workmanship) |
Get Your Landscaper Quote
Stop waiting days for a quote. Fill out the form below, and our team will get back to you with a competitive insurance quote tailored to Landscapers.
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Fast Turnaround
Quotes typically provided within 24 hours.
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Same-Day COIs
Once bound, we issue certificates immediately.