Business insurance • Kansas landscapers
Kansas Landscaping Contractor Insurance: Pesticide Business License and Coverage
Kansas has no statewide landscaping contractor license, so cities and counties set local rules. Landscapers who apply pesticides to other people’s property for pay need a Kansas Department of Agriculture pesticide business license, a commercial applicator in each category, and financial responsibility of at least $25,000 bodily injury and $5,000 property damage per occurrence. Most employers with more than $20,000 of annual payroll must carry workers’ compensation.
This guide covers Kansas landscaping licenses, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Kansas, and a licensed agent can compare quotes for your landscaping business.
Request a Kansas landscaping insurance quote
Tell us about your landscaping business and services, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a business insurance quote online with one of our partners, without waiting for a call back.
Get a quote from ERGO NEXT →General liability, workers’ compensation, business owner’s policies, professional liability, and commercial auto.
Start an application with First Connect →Quotes from multiple insurance carriers through our First Connect portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Kansas pesticide business license
| Requirement | Detail |
|---|---|
| License | KDA pesticide business license; $140 per category; expires December 31 |
| Applicators | At least one commercial applicator per category; $45 exam, 75% to pass |
| Financial responsibility | Liability insurance or surety bond |
| Non-aerial minimums | $25,000 bodily injury and $5,000 property damage per occurrence |
Source: Contractor License Requirements (Kansas landscaping guide). Local business, irrigation, backflow, and tree rules may also apply.
Kansas workers’ compensation
Kansas generally requires workers’ compensation for nonagricultural employers with more than $20,000 in gross annual payroll, with some exceptions (Contractor License Requirements (Kansas landscaping guide)).
Coverage most Kansas 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 Kansas 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.
Kansas landscaping insurance FAQs
Does Kansas require a landscaping license?
Not for general landscaping, but pesticide application for hire needs a KDA pesticide business license.
How much insurance does a Kansas pesticide business need?
At least $25,000 bodily injury and $5,000 property damage per occurrence for non-aerial work.
When do Kansas landscapers need workers’ comp?
Generally when gross annual payroll is more than $20,000, with some exceptions.
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
Tell us about your Kansas landscaping business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
