Business insurance • Virginia landscapers
Virginia Landscaping Contractor Insurance: DPOR LSC License, Pesticide Rules, and Coverage
Virginia requires a DPOR Class A, B, or C contractor license with the Landscape Service Contracting (LSC) specialty for landscape projects over $1,000, with the class set by contract value. Irrigation needs a separate Landscape Irrigation (ISC) specialty at any contract amount. Pesticide businesses need a VDACS license and coverage of $100,000 property damage and $100,000 per person, $300,000 per occurrence, for injury.
This guide covers Virginia landscaping licenses, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Virginia, and a licensed agent can compare quotes for your landscaping business.
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Virginia landscaping licenses
| Class | Single project | Initial fee | LSC experience |
|---|---|---|---|
| Class C | Over $1,000 and under $30,000 | $260 | 1 year |
| Class B | $30,000 to under $150,000 | $405 | 3 years |
| Class A | $150,000 and up | $425 | 5 years |
Source: Contractor License Requirements (Virginia landscaping guide). Licenses renew every two years for $250. Annual-volume limits also apply.
See our Virginia contractor license bond guide.
VDACS pesticide business license
Businesses that apply, sell, or recommend pesticides for pay need a VDACS pesticide business license for each location and a certified applicator on staff. The insurance certificate must show at least $100,000 property damage, $100,000 for injury or death to one person, and $300,000 per occurrence. Licenses expire March 31 each year (Contractor License Requirements (Virginia landscaping guide)).
Virginia workers’ compensation
Virginia employers that regularly employ more than two employees must carry workers’ compensation (Contractor License Requirements (Virginia contractor guide)).
Coverage most Virginia 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 Virginia 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.
Virginia landscaping insurance FAQs
Do Virginia landscapers need a contractor license?
Yes, for projects over $1,000. The license is a DPOR Class A, B, or C with the Landscape Service Contracting specialty.
Does irrigation work need a separate license in Virginia?
Yes. Irrigation needs the Landscape Irrigation (ISC) specialty, regardless of contract amount.
How much insurance does a Virginia pesticide business need?
At least $100,000 property damage, $100,000 per person for injury, and $300,000 per occurrence.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
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.
Your next step
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