Core coverages in this program
- •General Liability (property damage & bodily injury)
- •Workers' Compensation
- •Commercial Auto (trucks and trailers)
- •Inland Marine (mowers, trimmers, trailered equipment)
- •Herbicide & Pesticide Applicator Liability
- •Commercial Umbrella
Florida requirements for landscaping businesses
Florida requires a FDACS commercial applicator license for lawn and ornamental pest control, and most counties require a local business tax receipt. Irrigation work usually needs a county specialty contractor license. Storm-cleanup work sharply increases tree and debris exposure, which underwriters price separately.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and landscaping payroll typically rates at $5 to $12 per $100 of payroll for landscaping and lawn-maintenance class codes, higher where tree work or climbing is involved. Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| General Liability | $1M/$2M, crew of 2–6 | $900 – $3,200 |
| Equipment / Inland Marine | Mowers, trailers, handhelds | $400 – $1,500 |
| Commercial Auto | Per truck with trailer | $1,700 – $3,600 |
| Pesticide Applicator Liability | Added to GL where chemicals are applied | $350 – $1,400 |
| Umbrella | $1M excess | $850 – $2,200 |
The Florida angle most brokers miss
Post-storm cleanup pulls Florida landscapers into tree removal, which most base landscaping policies restrict by height or exclude outright. We endorse the tree work rather than leaving it silent.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Rock and debris thrown by mowers into vehicles and windows
- •Irrigation and utility line strikes during installs
- •Chemical drift and overspray damaging neighboring landscape
- •Trailered equipment theft from job sites and yards
- •Tree limb and ladder falls producing severe comp claims
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.