Business insurance • Nebraska landscapers
Nebraska Landscaping Contractor Insurance: NDOL Registration, Pesticide License, and Coverage
Nebraska has no statewide landscaping license. Contractors register with the Nebraska Department of Labor (NDOL) for $40 a year, and lawn care pesticide application for hire, including general-use products, needs a $90 Nebraska Department of Agriculture commercial applicator license. Omaha licenses arborists, and contractors with one or more employees must keep a workers’ compensation certificate on file with NDOL.
This guide covers Nebraska landscaping licenses, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Nebraska, and a licensed agent can compare quotes for your landscaping business.
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Nebraska landscaping rules
| Requirement | Detail |
|---|---|
| NDOL contractor registration | Required before working; $40 a year |
| NDA commercial applicator | Lawn care pesticide work for hire; General Standards and Category 04 exams (70%); $90 for three years |
| Omaha arborist license | $150 first class or $75 second or third class, plus a $20 exam; renews every three years |
| Blair tree trimmers | $70 a year registration and a $5,000 permit bond |
Source: Contractor License Requirements (Nebraska landscaping guide).
Nebraska workers’ compensation
Registered contractors with one or more employees must keep a current workers’ compensation certificate on file with NDOL, and contractors with expired coverage are removed from the registration list until an updated certificate arrives (Contractor License Requirements (Nebraska landscaping guide)).
Coverage most Nebraska 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 Nebraska 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.
Nebraska landscaping insurance FAQs
Does Nebraska require a landscaping license?
There is no statewide license, but contractors must register with NDOL and pesticide work needs an NDA license.
Do Nebraska lawn care companies need a pesticide license?
Yes. Lawn care pesticide application for hire, including general-use products, needs an NDA commercial applicator license.
Do Nebraska landscapers need workers’ comp?
Contractors with one or more employees must keep a workers’ compensation certificate on file with NDOL.
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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