Longevity in the landscaping business can be hard to achieve. It’s a concept that some operators are constantly grappling with: demand for landscaping services has never been higher, yet the nature of risk is ever-changing.
We’re talking about a sector that is steadily growing and has plenty of reasons for optimism in the years ahead. Recent data from the National Association of Landscape Professionals (NALP) valued the industry at $154 billion in 2024, with several factors contributing to the growth.
A strong suburban housing market is driving demand, while rapid urbanization is creating demand for green spaces and commercial development. Up and down the ladder, landscaping businesses are well-positioned to succeed — but there are concerns about the staying power of new entrants.
According to ArborNote, more than two-thirds of landscaping businesses fail to remain in operation beyond 18 months, and 50% close within five years. The 2026 landscaping industry outlook is strong, but how can brokers support clients to make sure they’re in it for the long haul?
And, beyond that, what risks might clients take on that can impact the type of landscaping insurance they need? We aim to address these questions and concerns in this blog, along with tailored solutions brokers can bring to the table.
High-hazard landscaping jobs are reshaping underwriting
Recent trends in the landscaping industry indicate an increase in year-round operations.
In several areas of the United States, business operators have decided to introduce new services and secure work for the fall and winter seasons. In states like Florida and California, the need for landscaping services is already year-round due to a more consistent climate. Still, services like snow removal and urban landscaping are geographically specific.
Landscaping industry risk management is changing, too, with underwriters now required to account for high-hazard jobs such as snow removal and work performed on and around busy roadways. Whether your clients have recently ventured into all-seasons landscaping work or they’ve expanded their business with new services over time, now is an opportune time to reevaluate their insurance coverage.
All-seasons landscaping jobs can shift risk
Standard landscape contractor coverage — which is carried by thousands of businesses and likely by many of your clients — doesn’t typically factor in year-round work. Jobs that inherently involve higher risk, such as snow removal and public rights-of-way work, immediately change the coverage your clients need.
It’s not just about how much money a job makes for your client. It’s about coverage beyond general liability for landscapers, which has long been a standard level of insurance. For businesses that operate year-round, specialized coverage is essential.
Location and environment are key considerations
“High-hazard” landscaping is classified by more than just the scope of the work. Clients who work in populated areas, in heavy-traffic zones, and in generally dangerous settings require more than basic coverage.
Location and environment are just as key to underwriting decisions as the nature of the work, especially for all-season landscaping. LandPro, a leading insurance program from NIP Group, offers an all-in-one package, including auto coverage, that ensures your landscaping clients are fully protected as they transition into the fall and winter seasons.
What should brokers be on the lookout for?
One of the most critical things brokers can do for their clients is be prepared — and for high-hazard landscaping businesses, that means being one or two steps ahead. Landscaping safety insurance should be robust, detailed, and take into account the factors outlined in this blog (as well as the number of employees, equipment, and other assets).
You and your clients don’t want underwriting decisions to be a surprise. Early indicators of underwriting scrutiny may include seasonal services, job locations, and contract language; brokers who secure the proper coverage before renewal or remarketing will save their clients significant money (and headaches).
Landscaping clients trust LandPro to protect their year-round business
LandPro is the largest insurance program of its kind, and we like to say it’s “better landscaping insurance by design.”
With more than 35 years of industry experience, we provide tailored insurance so your clients can focus on operating a successful landscaping business. Specialized coverage from LandPro protects them from the risks they face in high-hazard environments and against any changes in underwriting.
Clients who enroll in LandPro benefit from a dedicated team that is intimately familiar with the landscaping industry. Regardless of location or work type, we make it easier for brokers to find coverage not available through typical insurance products. It’s a win-win for you and your clients.
To learn more about LandPro or speak to a member of our team, please complete the form.
