Business insurance • Pennsylvania landscapers
Pennsylvania Landscaping Contractor Insurance: HICPA, Pesticide Business License, and Coverage
Pennsylvania has no statewide landscaping license. Landscapers doing $5,000 or more of covered home improvement work a year must register under HICPA and carry $50,000 personal injury and $50,000 property damage liability. Pesticide application businesses need a Department of Agriculture license with $100,000 bodily injury and $100,000 property damage coverage, and employers with even one employee must carry workers’ compensation.
This guide covers Pennsylvania landscaping licenses, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Pennsylvania, and a licensed agent can compare quotes for your landscaping business.
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Pennsylvania landscaping rules
| Requirement | Applies to | Insurance |
|---|---|---|
| HICPA registration | $5,000 or more of covered home improvement work a year; $100 every two years | $50,000 personal injury and $50,000 property damage |
| PDA pesticide business license | Pesticide application for hire; at least one certified applicator; $35 a year | $100,000 bodily injury and $100,000 property damage per occurrence, maximum $2,500 deductible |
Sources: Contractor License Requirements (Pennsylvania landscaping guide), Penn State Extension. The pesticide policy must state that it covers pesticide applications.
Pennsylvania workers’ compensation
Pennsylvania employers with at least one employee must carry workers’ compensation, including part-time workers and family members, unless every worker falls in an excluded group such as sole proprietors or approved executive officers (Pennsylvania Department of Labor and Industry).
Coverage most Pennsylvania landscapers carry
- General liability: third-party injuries and property damage, such as a mower throwing a rock through a window or a client tripping over equipment.
- Business owner’s policy: general liability bundled with property coverage for your shop, yard, and supplies.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including mower and trimmer injuries, heat illness, and lifting strains.
- Commercial auto: trucks and trailers that haul crews, mowers, and materials.
- Tools and equipment (inland marine): mowers, trimmers, blowers, and skid steers on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required by HOAs and commercial clients.
What Pennsylvania landscapers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $63 | $761 |
| Business owner’s policy | $92 | $1,101 |
| Workers’ compensation | $150 | $1,802 |
| Commercial auto | $299 | $3,590 |
| Tools and equipment | $53 | $637 |
| Commercial umbrella | $92 | $1,101 |
| License and permit bonds | $9 | $112 |
Costs for landscaping businesses that bought policies through Insureon, mostly businesses with fewer than five employees. General liability assumes $1 million per occurrence and $2 million aggregate. Your price depends on payroll, the work you do, claims history, and location.
Pennsylvania landscaping insurance FAQs
Does Pennsylvania require a landscaping license?
There is no statewide license, but covered home improvement work needs HICPA registration and pesticide work needs a PDA license.
How much insurance does a Pennsylvania pesticide business need?
$100,000 bodily injury and $100,000 property damage per occurrence, with a maximum $2,500 deductible.
Do Pennsylvania landscapers need workers’ comp?
Yes, with at least one employee, unless every worker is in an excluded group.
Related guides
Important information
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Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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