Business insurance • Georgia landscapers
Georgia Landscaping Contractor Insurance: Pesticide Contractor License and Coverage
Georgia has no statewide landscaping contractor license, and landscape and irrigation work is exempt from the state general and residential contractor licenses. Landscapers who apply pesticides for hire need a Georgia Department of Agriculture pesticide contractor license, a certified commercial applicator on staff, and liability coverage for chemical use. Employers with three or more employees must carry workers’ compensation.
This guide covers Georgia landscaping licenses, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Georgia, and a licensed agent can compare quotes for your landscaping business.
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Georgia pesticide contractor license
Businesses that apply pesticides to another person’s property for pay, including on maintenance contracts, need a GDA pesticide contractor license ($55 a year) and at least one full-time certified commercial applicator. Ornamental and turf work is Category 24, and the applicator license is $90 for five years. Georgia has no state irrigation contractor license (Contractor License Requirements (Georgia landscaping guide)).
| Coverage | Ground contractors | Aerial contractors |
|---|---|---|
| Bodily injury | $25,000 per occurrence | $50,000 per occurrence |
| Property damage | $10,000 per occurrence / $25,000 aggregate | $25,000 per occurrence / $100,000 aggregate |
| Maximum deductible | $500 | $1,000 |
Source: Ga. Comp. R. & Regs. 40-21-8. Coverage must include legal damages arising from chemical use.
Georgia workers’ compensation
Employers who regularly employ three or more people in Georgia must carry workers’ compensation, counting regular part-time workers, corporate officers, and LLC members (Georgia State Board of Workers’ Compensation).
Coverage most Georgia 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 Georgia 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.
Georgia landscaping insurance FAQs
Does Georgia require a landscaping license?
Not for general landscaping, but pesticide application for hire needs a Georgia Department of Agriculture pesticide contractor license.
How much insurance does a Georgia pesticide contractor need?
Ground contractors need at least $25,000 bodily injury and $10,000 property damage per occurrence, with a $25,000 property damage aggregate.
When do Georgia landscapers need workers’ comp?
When they regularly employ three or more people.
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.
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