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Texas Landscaping Insurance That Actually Works
Texas landscaping businesses face unique challenges. Most insurance agents don’t understand them. With Texas recording 42 heat-related workplace deaths since 2011—more than any other state—your crews are at serious risk.
Workers’ compensation is optional here, creating lawsuit exposure many business owners don’t realize exists.
The Allen Thomas Group has spent over 20 years making insurance Smart & Easy for contractors.
We serve businesses across 20+ states. We understand Texas heat risks, regulatory complexities, and what Dallas, Houston, Austin, and San Antonio landscaping businesses actually need.
Get coverage that works as hard as you do.
Contact us for a Free Quote Today!
How much does landscaping insurance cost in Texas?
Most Texas landscaping businesses pay $200-400 monthly for comprehensive coverage. This includes:
- Workers’ comp
- General liability
- Commercial auto
Costs vary based on crew size, equipment value, and coverage limits. We provide free quotes tailored to your specific operation and risk factors.
Table of Contents
Unique Insurance Challenges Facing Texas Landscaping Businesses
Texas landscapers work in demanding conditions. Five Texans died from work-related heat illnesses in 2018 alone. Nearly half of the 270 reported heat-related workplace injuries occurred in construction and excavation—industries closely related to landscaping work.
Your crews face:
- Triple-digit temperatures daily
- Heavy equipment operation
- Sharp tool handling
- Client property liability exposure
Heat isn’t your only concern. Texas workers’ compensation is optional. This creates a dangerous gap most business owners don’t realize: without proper coverage, injured employees can sue you directly.
They can seek:
- Medical bills
- Lost wages
- Punitive damages
- Legal costs
Many landscaping businesses operate with basic general liability, thinking they’re protected. They discover massive coverage gaps when equipment gets stolen, employees get hurt, or clients claim property damage.
Smart & Easy Insurance Protection That Works
Insurance shopping doesn’t have to be complicated. Our Smart & Easy approach cuts through confusion. We use a simple three-step process:
- Heat-related employee safety
- Equipment protection needs
- Liability exposure assessment
- Vehicle and fleet coverage
Dallas landscapers face different challenges than Austin tree services or Houston irrigation specialists.
This typically includes:
- Workers’ compensation (even though Texas doesn’t require it)
- Comprehensive general liability
- Commercial auto for your fleet
- Equipment coverage protecting tools everywhere
When claims happen, you’re not dealing with a call center. You work with agents who understand landscaping operations. We expedite the process to get you back to work quickly.
We eliminate jargon. We explain coverage in plain English. You understand exactly what you’re buying and why you need it.
20+ Years of Experience Serving Texas Contractors
The Allen Thomas Group brings something unique to Texas: national expertise with local understanding. We’re based in Akron, Ohio. We’ve served contractors across 20+ states for over two decades.
- Insurance regulations
- Coverage requirements
- Industry challenges
Local-only agents simply can’t match this experience.
General insurance agents juggle everything from restaurants to retail stores. We focus specifically on businesses like yours.
We know landscaping operations need:
- Commercial auto coverage that includes off-road equipment use
- General liability that covers work on client properties
- Equipment coverage that works around the clock
A single damaged sprinkler head can flood a basement. Tools stolen from a job site at 6 AM need protection. Equipment damaged in your shop over the weekend needs coverage too.
In Texas specifically, we excel at heat safety guidance and workers’ compensation education. We stay current on OSHA’s developing heat illness prevention standards. We help you understand how proposed federal regulations might affect your business.
We explain Texas workers’ comp benefits clearly:
- Why do 90% of Texas businesses choose coverage even though it’s optional?
- How does it protect you from employee lawsuits that could destroy your business?
We have answers.
Comprehensive Protection for Texas Landscaping Operations
Your landscaping business depends on more than just your skills. It depends on:
- Your equipment
- Your vehicles
- Your employees
- Your reputation
Proper insurance coverage protects what matters most.
Your mowers, trimmers, and specialty tools represent tens of thousands of dollars in investment. Our equipment coverage protects tools:
- Stolen from locked trailers in Houston
- Damaged by hail in Austin
- Lost during transport to job sites
Employee injuries happen fast in Texas heat. When a crew member suffers heat exhaustion or gets hurt operating equipment, workers’ compensation:
- Covers medical bills
- Pays lost wages
- Protects you from lawsuit exposure
Without it, a single serious injury can cost more than your annual revenue.
Liability claims from client properties can be expensive and unpredictable:
- Accidental sprinkler damage floods basements
- Tree trimming accidents damage neighbor’s roofs
- Equipment malfunctions cause property damage
Comprehensive general liability coverage handles the claim. You focus on your business.
Commercial auto protection covers your work trucks and trailers. This includes coverage for the specialized equipment you transport to job sites daily.
Every coverage recommendation comes with clear explanations:
- What’s covered?
- What’s not?
- Why does it matter for your specific operation?
We explain it all.
Tailored Insurance Solutions Built For Your Texas Landscaping Business
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.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
It Just Takes A Few Clicks
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get a Free Texas Landscaping Business Insurance Quote Today
Don’t let heat-related risks threaten your business.
Coverage gaps are dangerous.
The Allen Thomas Group’s 20+ years of contractor expertise makes Texas landscaping insurance Smart & Easy.
Get comprehensive protection that works as hard as you do.
Call our independent insurance agents today at (440) 826-3676 for a free insurance quote.
Get More Insights On Making The Right Insurance Decision For Your Company
Do I need workers' compensation for my Texas landscaping business?
Texas doesn’t require workers’ compensation. But here’s the catch: 90% of landscaping businesses choose coverage anyway. Why? To avoid lawsuit exposure. Without it, injured employees can sue you directly for medical bills and lost wages. A single heat-related injury could cost more than your annual revenue.
How quickly can I get coverage for my landscaping business?
Fast. Coverage can start within 24-48 hours after approval. Our streamlined process includes:
- Brief consultation
- Customized quote
- Immediate binding once approved
We understand landscaping work doesn’t wait. Especially during peak season in Texas heat.
What makes Texas landscaping insurance different from other states?
Texas heat creates unique risks. 42 workplace heat deaths since 2011—more than any other state. Optional workers’ comp status confuses many business owners. We specialize in:
- Texas regulations
- OSHA heat standards
- Coverage protecting against state-specific challenges
How do I get started with a quote?
Easy. Call us at (440) 826-3676 for a free consultation. We’ll:
- Assess your risks
- Explain coverage options in plain English
- Provide competitive quotes from multiple carriers
Most consultations take 15-20 minutes and can be done over the phone or in person.
Texas Areas We Serve
Abilene
Allen
Amarillo
Arlington
Atascocita
Austin
Baytown
Beaumont
Bedford
Brownsville
Bryan
Burleson
Carrollton
Cedar Hill
Cedar Park
Channelview
Cibolo
Cleburne
College Station
Conroe
Coppell
Copperas Cove
Corpus Christi
Dallas
Deer Park
Del Rio
Denton
DeSoto
Duncanville
Edinburg
El Paso
Euless
Farmers Branch
Flower Mound
Fort Worth
Friendswood
Frisco
Galveston
Garland
Georgetown
Grand Prairie
Grapevine
Haltom City
Harker Heights
Harlingen
Houston
Huntsville
Hurst
Irving
Keller
Killeen
Kyle
La Porte
Lancaster
Laredo
League City
Leander
Lewisville
Little Elm
Longview
Lubbock
Lufkin
Mansfield
McAllen
McKinney
Mesquite
Midland
Midlothian
Mission
Mission Bend
Missouri City
Nacogdoches
New Braunfels
North Richland Hills
Odessa
Pasadena
Pearland
Pflugerville
Pharr
Plano
Port Arthur
Richardson
Rockwall
Rosenberg
Round Rock
Rowlett
San Angelo
San Antonio
San Juan
San Marcos
Schertz
Sherman
Socorro
Southlake
Spring
Sugar Land
Temple
Texarkana
Texas City
The Colony
The Woodlands
Tyler
Victoria
Waco
Waxahachie
Weatherford
Weslaco
Wichita Falls
Wylie
