California · Landscaping
Landscaping insurance in California
General liability, workers’ comp, commercial auto, equipment coverage for mowers and trailers, and pollution coverage for the chemicals you apply. We place California landscapers — including crews that spray and accounts other markets dropped.
Landscape contractors hold a CSLB C-27 license; applying pesticides or herbicides also requires a DPR applicator license.
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Why Setpoint for Landscaping?
We cover the herbicide and chemical-application exposure that standard landscaping policies quietly exclude.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Equipment scheduled correctly so a stolen mower or trailer is actually paid at the value you expect.
Common questions
Frequently asked questions
What insurance does a landscaping business need in California?
A California landscaper typically carries general liability, workers’ compensation, commercial auto, and inland-marine coverage for mowers, blowers, and trailers. If your crews apply herbicides or pesticides, you also need pollution/chemical-application coverage, which standard policies often exclude.
Does a landscaper need workers’ comp in California?
If you have any employees, yes — workers’ compensation is mandatory. And because landscape contractors are CSLB-licensed (C-27), SB 216 requires workers’ comp as of January 1, 2026 even for a solo owner with no employees.
Does landscaping insurance cover herbicide and pesticide claims?
Only if the policy is written for it. General liability commonly excludes pollution and chemical drift, so spraying operations need a pollution endorsement or a separate applicator policy. We confirm the chemical exposure is actually covered, not assumed.
Is my equipment covered if it’s stolen from a trailer or job site?
Mowers, blowers, and trailers are covered under inland-marine (contractors equipment) coverage, scheduled or blanket — not by a general liability policy. Theft from an unattended trailer is a frequent claim, so the valuation and theft terms are worth checking before you sign.
How much does landscaping insurance cost in California?
Cost is driven by payroll, whether you apply chemicals, the equipment values you schedule, your vehicle fleet, and your loss history. Adding spray operations or tree work changes the rating class, so an accurate description of your operations is what produces a fair quote.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.