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Lawn Care Insurance in Colorado

Understanding Colorado Landscaping Business Insurance

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Did you know that 33% of landscaping businesses experience a claim each year?

Having the right insurance protects your business from potential risks and liabilities.

Just like carefully cultivating vibrant landscapes, adequate insurance coverage can help it to thrive.

These might seem like minor mishaps, but for your landscaping business, they could turn into major financial headaches.

That’s where lawn care business insurance in Colorado comes. It’s like a safety net, catching you from unexpected falls and keeping your business thriving.

At The Allen Thomas Group, we are a Licensed Colorado insurance agency that can help you find the best lawn care insurance. 

Click on the button below to contact us today for an instant insurance quote.

How Much Does Colorado Landscaping Insurance Cost? 

As every landscaping business is unique, so too are the insurance costs.

Factors like your team size, services offered, and past claims history all influence your premiums.

Here’s an overview of typical costs for landscaping business insurance in Colorado:

The cost of right landscaping insurance in Colorado can vary significantly depending on several factors, including:

Business Size and Operations
– Number of employees
– Services offered (lawn care, tree trimming, hardscaping, etc.)
– Use of subcontractors
– Revenue/Sales
– Years in business

Coverage Needs
– General liability limits
– Commercial auto (number of vehicles)
– Workers compensation coverage
– Other coverages like tools/equipment, umbrella policy

Claims History
– Businesses with frequent past claims will pay higher premiums

However, most small to medium landscaping companies in Colorado can expect to pay:

General Liability Insurance: $500 – $1,500 per year
Workers’ Compensation: $5,000 – $25,000+ per year based on payroll
Commercial Auto: $1,200 – $5,000+ per vehicle annually

A typical comprehensive landscaping insurance package for a 5-person crew could cost around $10,000 – $25,000 per year.

While this may seem like a large expense, it’s very affordable when considering the costs of an uninsured claim which could run into the hundreds of thousands or even millions of dollars.

The best way to get an accurate landscaping insurance quote is to have an independent agent like The Allen Thomas Group review your specific business details.

We shop top-rated insurers to find the right coverages at the most competitive pricing.

Table of Contents

Why Every Colorado Landscaper Needs Insurance?

In the landscaping world, risks lie around every corner. Whether pruning towering trees or operating powerful equipment, the potential for accidents, bodily injury or property damage is ever-present.

Without adequate insurance for your business in Colorado, you could be personally liable for the resulting costs, leaving your dream business withered on the vine.

Colorado law also requires any business with one or more employees to carry workers compensation insurance. Failing to do so can result in hefty fines and legal penalties. Why risk it when a simple insurance policy provides a safety net for your valued crew?

  • Peace of Mind for Accidents: Even the most careful landscaper can have an off day. Insurance protects you from covering the costs if you accidentally damage a client’s property or injure someone while working. 

  • Employee Safety Net: Landscaping involves physical work, and accidents happen. Workers’ comp insurance can help ensure your crew receives medical care and lost wages if they’re injured on the job.

  • Protecting Your Tools: Lawnmowers, hedgers, and other tools and equipment are the backbone of your business. Property and inland marine insurance safeguard these investments from theft, damage, or loss during transport.

Types of Insurance 

Lawn care professionals need landscaping insurance. The appropriate business insurance can help you sail through tough times.

General Liability Insurance 

Despite taking all necessary precautions, an overzealous pruning of a client’s beloved oak tree results in a traumatic branch-crashing-through-window incident.

Or perhaps an improperly marked irrigation trench led to a delivery person tripping and suffering an injury on the property.

Without a general liability insurance policy, your business would be on the hook for the resulting damages and medical expenses. This coverage is non-negotiable for landscapers.

Workers’ Compensation Insurance 

Landscaping ranks among the most dangerous occupations, with the Bureau of Labor Statistics reporting significantly higher rates of injuries compared to other industries.

From heavy equipment accidents to repetitive motion injuries, the hazards are endless for your hard-working crew.

Workers’ compensation coverage ensures your employees receive proper medical care and partial wage coverage if they suffer a work-related injury or illness.

Don’t let the cost of an accident shatter your budding business. Your lawn care business may suffer unless you have taken the right steps to shield it.

The right insurance can cover you from potential liability claims. So protect your landscaping business now with the right insurance for landscapers for worker injuries. 

Commercial Auto Insurance

Your trucks, trailers, and other vehicles are vital tools for transporting crews, hauling equipment, and getting the job done efficiently.

But accidents can happen. Even one unlucky fender bender involving the vehicles used for business purposes could cause significant financial losses where you have to pay repair costs and liability expenses. 

Landscapers might consider auto insurance.

Business vehicle insurance is crucial and gives peace of mind, knowing your company vehicles for business purposes are properly insured if they’re involved in an accident or damaged incident on the road or client’s property.

Inland Marine Insurance

The very nature of your business involves transporting tools, equipment, and supplies to and from job sites.

Inland marine insurance protects your business property while it’s in transit or temporarily located away from your main premises.

From heavy machinery on trailers to rakes and shovels in trucks, this coverage eliminates gaps in your property insurance.

Commercial Property Insurance 

Your business owns lawnmowers, hedgers, and leaf blowers.

Such landscaping equipment represents a major investment for your business and its ability to operate smoothly.

What would happen if these tools were damaged by weather, fire, or theft? Any claims of property damage could prove devastating for your business too. 

Commercial property insurance for landscaping businesses safeguards your business assets and business from potential financial harm.

Umbrella Insurance

Umbrella insurance provides an extra layer of liability coverage over and above the limits of your other underlying policies like general liability and commercial auto insurance.

As a landscaper, even if you have a general liability policy with high liability limits, a major incident or lawsuit could potentially exhaust those limits, leaving your business on the hook for the remaining costs.

Umbrella insurance kicks in to cover that excess liability.

It protects your Colorado landscaping business from having to pay out-of-pocket for damaging things like:

– Costly injuries sustained by third parties on your premises or job sites
– Expensive property damage caused by your work activities
– Lawsuits from disgruntled clients or passersby

Umbrella policies typically provide $1 million to $10 million in additional coverage limits at a relatively affordable premium, usually $300-$800 per year for most landscapers.

So if your $1 million general liability policy maxes out from an injury claim, your $2 million umbrella policy has you covered for the remainder.

For the high-risk nature of landscaping work in Colorado, umbrella insurance gives you a higher safety net against catastrophic liability claims that could wipe out your business finances. It’s an inexpensive way for landscaping companies to obtain extra liability protection.

Protect Your Landscaping Business with Insurance

best insurance for landscaping business

Operating a landscaping business in Colorado comes with inherent risks due to the nature of the work – using power equipment, handling chemicals, working on client properties, etc.

Even the most cautious landscaping crews can face accidents, property damage claims, or lawsuits from unsatisfied customers. Statistics show that falls are a leading cause of injuries and deaths for landscapers, and over 70% of businesses have experienced a major property damage event recently. 

Without the right Colorado landscaping business insurance, companies open themselves up to financial ruin from costly medical bills, repairs, legal fees, and settlements resulting from an incident.

Proper landscaping policy safeguards the business from devastating losses and provides peace of mind to focus on delivering quality service.

It’s an essential investment for any landscaper in Colorado looking to protect their livelihood and ensure long-term success in the face of ever-present risks and liabilities.

Don’t let one accident or lawsuit uproot years of hard work – insuring your landscaping operation is crucial. Insurance will cover you against potential threats and any claims arising out of them.

Maximizing Your Colorado Landscaping Business Insurance Benefits

Landscaping And Lawncare Insurance in Colorado

At The Allen Thomas Group, we don’t just sell you a policy. Our team works closely with you to ensure you thoroughly understand every facet of your coverage and how to maximize its benefits and value for your landscaping business. We take a proactive, hands-on approach toward protection for small businesses.

When you partner with us, we conduct a comprehensive review to make sure your policy details and coverage limits align perfectly with the risks and exposures of your specific landscaping operations. We identify any potential gaps and make recommendations about the coverage you need to beef up protection where needed. 

But we don’t stop there. Our team provides detailed guidance and best practices on properly filing claims according to your policy terms. We ensure you understand all documentation and evidence needed to substantiate claims. 

We’ll also advise you to follow all required notice procedures to prevent delays or denials. We aim to make the claims process as smooth as possible.

In addition to reactive claims assistance, we work with you to implement proactive risk management strategies to prevent incidents from occurring in the first place. This includes conducting job site audits, implementing safety protocols, and developing risk control measures customized for your landscaping business needs.

Consistent utilization of these strategies can minimize liability risks and often qualifies you for premium discounts from insurers.

On an annual basis, we’ll review your evolving insurance requirements as your landscaping business grows in Colorado Springs. 

If you acquire new equipment or vehicles or expand service offerings, we ensure your coverages adjust accordingly to maintain proper protection. We believe in implementing a dynamic, perpetually optimized insurance program – not just a static policy.

Just as your Colorado landscaping business deserves comprehensive contractor insurance, it also requires an insurance partner committed to your ongoing success and profitability.

The Allen Thomas Group prides itself on nurturing long-lasting partnerships built on a foundation of guidance, education, and maximizing the full value of your insurance investment.

Minimize Risk, Maximize Profit: The Right Lawn Care Insurance for Colorado Landscapers

Of course, the goal of any good insurance program is to prevent claims from happening in the first place. That’s where The Allen Thomas Group goes beyond just being your landscaping insurance policy provider. We become your partner in risk management.

Think of it like this: a healthy lawn requires more than just watering – it needs proactive care to prevent weeds and pests. 

Similarly, a strong insurance plan goes beyond simply reacting to accidents. We’ll work with you to identify and mitigate areas of risk within your landscaping operation. This proactive approach can lead to several benefits:

  • Lower Insurance Premiums: By identifying and addressing potential hazards, you demonstrate a commitment to safety. Insurance companies reward this with potentially lower premiums, putting more money back in your pocket.
  • Safer Worksite: A risk-mitigated workplace translates to fewer accidents and injuries for your crew. This not only benefits their well-being but also reduces workers’ compensation claims and associated costs.
  • Peace of Mind: Knowing you’ve taken steps to minimize risk allows you to focus on growing your business with confidence.

We’re not just here to secure your coverage – we’re here to cultivate a long-term, prosperous partnership. The Allen Thomas Group will work with you to create a customized risk management plan that protects your employees, equipment, and bottom line. This, in turn, allows your landscaping business to truly flourish.

Tailored Insurance Solutions Built For Your Colorado Landscaping Business

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We know how frustrating and complex the process of finding the right landscaping business insurance can be and how it can be difficult to get a certificate of insurance quickly.

Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

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Get A Landscaping Insurance Quote From The Allen Thomas Group Today

We have over 20 years of experience in the lawn care business. As an independent insurance agent, we can help you find the best Colorado insurance options.

Our local Colorado insurance professionals understand your landscaping business and are happy to be your go-to insurance provider.

Don’t leave your budding business unprotected from the unexpected. 

Contact The Allen Thomas Group today for a free, no-obligation consultation and quote. Our experienced agents will take the time to understand your specific risks and insurance needs as a Colorado landscaper.

The right insurance coverage provides fertile ground for your landscaping business to truly thrive. Let’s get started cultivating a brilliant policy together by asking for best policies from various companies. Our goal is to help you find the best coverage. 

Getting an insurance quote online is quick and easy! 

So what are you waiting for?

Get a free quote now to get started with essential and common insurance coverage for your landscaping business.

Colorado Areas We Serve







Battlement Mesa



Black Forest





Cañon City


Castle Pines

Castle Rock


Cherry Creek

Cherry Hills Village

Cimarron Hills


Colorado Springs


Commerce City




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Dove Valley








Estes Park




Federal Heights


Fort Carson

Fort Collins

Fort Lupton

Fort Morgan







Glenwood Springs


Grand Junction


Greenwood Village




Highlands Ranch


Ken Caryl


La Junta





Lone Tree




Manitou Springs




New Castle


Orchard Mesa



Pueblo West



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Steamboat Springs





The Pinery



Twin Lakes





Wheat Ridge


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