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Utah Landscaping Insurance That Protects Your Business and Satisfies Every Contract
Comprehensive coverage for Utah landscaping contractors from agents who understand your unique risks and requirements.
Utah landscaping businesses face distinct challenges that generic insurance simply can’t address. From meeting S330 licensing requirements to satisfying municipal contract demands, your landscaping insurance needs to work as hard as you do.
The Allen Thomas Group has spent over 20 years simplifying the insurance process for contractors like you, combining local Utah expertise with national reach to deliver the “Smart & Easy” coverage solutions that protect your business and your bottom line.
The landscaping industry has grown at a 6.0% CAGR over the past five years, reaching $184.1 billion in 2025, creating more opportunities—and more risks—for Utah contractors.
Whether you’re installing irrigation systems in Salt Lake City or providing snow removal services in Park City, having the right insurance coverage isn’t just smart business—it’s required by law and essential for winning contracts.
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How much does landscaping insurance cost in Utah?
Utah landscapers typically pay $610 annually for general liability insurance and $163 monthly for workers compensation. Total comprehensive coverage ranges from $1,100-$3,500 annually depending on services, equipment values, and employee count. Tree services and specialized work cost more than basic lawn maintenance.
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Why Utah Landscaping Businesses Choose Specialized Insurance Coverage
Utah landscaping contractors operate in a complex regulatory environment that demands more than basic coverage.
Your business faces unique exposures that standard policies often overlook:
Equipment and Vehicle Risks: Your mowers, trimmers, skid steers, and work trucks represent significant investments. One theft or accident can cost thousands in replacement equipment and lost revenue during peak season.
Seasonal Liability Exposure: Utah’s climate creates year-round risks. Summer irrigation work involves underground utilities, while winter snow removal operations bring slip-and-fall hazards and property damage concerns.
Regulatory Compliance Requirements: Utah contractors need S330 licensing with minimum $300,000 total general liability coverage. Municipal contracts require proof of “all required state and local licenses, insurance” before you can even submit a bid.
Client Property Protection: Working on residential and commercial properties exposes you to costly property damage claims. From sprinkler system malfunctions to equipment striking windows or fences, landscaping contractors face an average of $51 per month in general liability premiums because these risks are real and frequent.
Essential Utah Landscaping Insurance Coverage Types
Your landscaping business needs comprehensive protection that addresses every aspect of your operations. The Allen Thomas Group specializes in creating coverage packages that protect Utah contractors without breaking the bank.
General liability insurance protects your business from third-party claims of property damage and bodily injury. Based on analysis of over 1,000 landscaper quotes, Utah landscapers typically pay $610 annually for this essential coverage.
Real scenarios this coverage protects against:
- Client trips over equipment and requires medical attention
- Flying debris from mowers damages car windshields
- Accidental damage to irrigation systems during installation
- Slip-and-fall incidents during winter services
Utah-specific benefits: This coverage satisfies state licensing requirements and municipal contract demands, with certificates available immediately for bidding purposes.
Utah requires workers compensation for all landscaping businesses with employees, with coverage averaging $163 per month. This protection covers:
On-the-job injury coverage:
- Medical expenses
- Rehabilitation costs,
- Lost wage payments when crew members are injured
Legal protection:
- Defense against employee injury lawsuits
- Compliance with Utah labor laws
Business continuity:
- Keeps your operations running when accidents happen during peak season
Utah contractors must list the Utah Department of Occupational and Professional Licensing (DOPL) as certificate holder, ensuring full compliance with state requirements.
Your work trucks and trailers face unique risks moving equipment between job sites across Utah’s varied terrain and weather conditions.
Coverage includes:
- Accident damage repair and replacement costs
- Liability protection for accidents involving work vehicles
- Coverage for attached equipment like trailers and hydraulic lifts
- Protection during equipment transport between locations
Landscaping equipment theft costs businesses $400 million annually nationwide. Utah contractors need specialized coverage for:
- Mobile equipment protection: Mowers, trimmers, and power tools covered at job sites and in transit
- Seasonal equipment: Snow removal equipment, irrigation tools, and specialty machinery
- Technology protection: GPS systems, tablets, and business communications equipment
Utah-Specific Landscaping Insurance Requirements
Understanding Utah’s regulatory landscape is crucial for maintaining compliance and winning contracts. The Allen Thomas Group’s Utah expertise ensures you meet every requirement.
Utah landscaping contractors must hold S330 licenses for projects involving:
- Land grading and preparation for landscaping
- Tree and shrub transplanting and installation
- Garden, lawn, and decorative vegetation arrangement
Irrigation system installation and water distribution - Retaining wall construction and hardscaping
Insurance requirements include:
- Minimum $100,000 per incident general liability
- $300,000 total coverage requirement
- DOPL listed as certificate holder
- Proof of coverage for license renewal every two years
Utah municipalities and commercial clients demand comprehensive coverage before approving landscaping contractors.
St. George City Code requires “all landscape and irrigation installers shall have all required state and local licenses, insurance, bonding requirements, and be able to show proof of such upon request.
Common contract requirements:
- $1 million per occurrence coverage limits
- $2 million aggregate coverage totals
- Additional insured endorsements for property owners
- Waiver of subrogation clauses30-day cancellation notice requirements
The Allen Thomas Group Advantage for Utah Landscapers
For over 20 years, we’ve simplified the insurance process for contractors while delivering comprehensive protection. Our “Smart & Easy” approach combines local Utah expertise with national insurance market access.
We understand Utah’s unique landscape: From Wasatch Front commercial developments to rural agricultural properties, we know the risks Utah landscapers face and the coverage solutions that work.
Our Utah-specific advantages:
- Direct relationships with Utah licensing authorities
- Understanding of local municipal requirements
- Knowledge of seasonal business cycles and risks
- Experience with Utah weather-related claims
Unlike online-only providers, we build relationships with our clients. Our licensed agents take time to understand your specific operations, risks, and goals.
How we deliver “Smart & Easy” service:
- Custom coverage analysis based on your actual operations
- Quick certificate generation for contract bidding
- Direct claims support when you need it most
- Annual coverage reviews to ensure adequate protection
We offer complete coverage packages designed specifically for landscaping contractors:
Standard packages include:
- General liability with Utah-compliant limits
- Workers compensation with DOPL compliance
- Commercial auto for vehicles and equipment
- Tools and equipment coverage for mobile assets
Enhanced protection options:
- Professional liability for design and consultation services
- Cyber liability for digital business operations
- Umbrella coverage for high-value contracts
- Seasonal coverage adjustments for winter services
Getting Started with Utah Landscaping Insurance
Protecting your landscaping business starts with understanding your specific needs and regulatory requirements.
The Allen Thomas Group makes this process simple and straightforward.
Our “Smart & Easy” Quote Process
Step 1: Business Assessment
We analyze your operations, equipment, employees, and typical contract requirements to determine optimal coverage needs.
Step 2: Custom Quote Development
Our agents prepare comprehensive quotes from multiple carriers, ensuring you get competitive rates for complete protection.
Step 3: Coverage Implementation
Once you approve coverage, we handle all paperwork, certificates, and regulatory compliance requirements.
Step 4: Ongoing Support
We provide continuous service including claims support, certificate generation, and annual coverage reviews.
Tailored Insurance Solutions Built For Your Utah 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.
Protect Your Utah Landscaping Business With Comprehensive Insurance Coverage Today
Don’t let inadequate insurance limit your growth potential.
The Allen Thomas Group’s Independent Insurance Agents provide comprehensive coverage. It satisfies every requirement. It protects your business investment.
Contact us today by calling (440) 826-3676 for a customized quote.
Get the Smart & Easy protection your business deserves.
Get More Insights On Making The Right Insurance Decision For Your Company
What insurance do I need for my Utah S330 landscaping license?
Utah requires minimum $100,000 per incident and $300,000 total general liability coverage for S330 license holders. You must also list the Utah Department of Occupational and Professional Licensing (DOPL) as certificate holder. If you have employees, workers compensation is mandatory with DOPL compliance documentation.
What happens if I operate without proper insurance in Utah?
Operating without required insurance violates Utah contractor licensing laws and can result in license suspension, fines, and legal liability. Uninsured contractors cannot bid on municipal or commercial contracts and face personal financial responsibility for any accidents or property damage.
Do Utah municipalities require specific insurance coverage?
Yes, most Utah cities and counties require proof of licensing, insurance, and bonding before approving landscaping contracts. Many commercial clients demand $1 million per occurrence limits with additional insured endorsements. Certificate generation is typically required within 24-48 hours of contract award.
How quickly can I get a certificate of insurance for a Utah project?
The Allen Thomas Group provides same-day certificate generation for active policies. We understand Utah contractors often need immediate proof of coverage for time-sensitive bids and can accommodate urgent requests through our local agent network.
Utah Areas We Serve
American Fork
Bountiful
Cedar City
Clearfield
Clinton
Cottonwood Heights
Draper
Eagle Mountain
Farmington
Herriman
Holladay
Kaysville
Kearns
Layton
Lehi
Logan
Magna
Midvale
Millcreek
Murray
North Ogden
North Salt Lake
Ogden
Orem
Payson
Pleasant Grove
Provo
Riverton
Roy
Salt Lake City
Sandy
Saratoga Springs
South Jordan
South Salt Lake
Spanish Fork
Springville
St. George
Syracuse
Taylorsville
Tooele
Washington
West Jordan
West Valley City
