Texas Landscaping, Irrigation & Tree Service Insurance
Underwriting brief for Texas landscaping services (5,436 active Texas establishments across 123 counties). We compare 30+ TDI-admitted and specialty commercial carriers for landscaping & lawn care with fast Certificate of Insurance (COI) turnaround.
Texas Landscaping & Lawn Care Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 561730 — Landscaping Services
- NCCI Workers' Comp Codes
- 0042 (Landscape Gardening), 0106 (Tree Pruning/Removal)
- ISO GL / Coverage Form
- 97047 (Landscape Gardening), 99777 (Tree Pruning/Trimming)
- Texas Regulator / Spec
- TCEQ Licensed Irrigator (30 TAC Ch. 344) & TDA Pesticide Applicator
Texas irrigation design/installation requires a TCEQ Irrigator license; herbicide/pesticide spraying requires a Texas Dept. of Agriculture (TDA) applicator license.
Where Landscaping & Lawn Care Cluster in Texas
- Harris: 677 firms (12.5% of TX) • 12,203 employees
- Dallas: 499 firms (9.2% of TX) • 9,317 employees
- Tarrant: 410 firms (7.5% of TX) • 4,448 employees
Primary Loss Exposures
- Mower-thrown rocks shattering commercial storefront glass or parked luxury vehicles.
- Herbicide overspray killing ornamental landscaping or neighboring turf.
- Crew trailer theft from job sites and driveway/mailbox backing collisions.
Key Endorsements We Verify
- Limited Pesticide/Herbicide Applicator Coverage (CG 22 64) for TDA-licensed spraying
- Inland Marine Landscape Equipment Floater for zero-turns, blowers, and utility trailers
- Accurate Tree-Trimming / Stump-Grinding classification (avoiding silent arborist exclusions)
Landscaping & Lawn Care Insurance FAQs
Does standard Landscaping GL cover spraying Roundup or pre-emergent?
Not automatically—standard GL has a pollution exclusion. You need a Pesticide/Herbicide Applicator endorsement.
Are zero-turn mowers covered if my enclosed trailer is stolen overnight?
Only if you carry an Inland Marine Tools & Equipment Floater; Commercial Auto only covers the trailer, not the mowers inside.
Can a lawn maintenance policy cover tree removal over 15 feet?
No—most landscape GL policies cap tree work at ground level or 15 feet. Higher tree trimming must be rated under ISO 99777 / NCCI 0106.
Why do Texas HOAs ask for Waiver of Subrogation and Additional Insured?
Property management companies require your GL and Auto to respond first if a resident trips over an irrigation trench or is hit by a crew truck.