Wellkept Insurance writes coverage for landscaping companies across Illinois — design-and-build crews, maintenance routes, and the commercial accounts that require proof of insurance before a mower touches the property.
What a landscaping policy covers
- $1M/$2M general liability — a thrown rock from a mower, a damaged irrigation line, a client’s visitor tripping over staged material. This is the coverage every commercial account requires.
- Workers’ compensation — required by Illinois law for employees, and landscaping class codes price higher than office work because the injuries are real.
- Commercial auto — trucks and trailers on the road every working day.
- Inland marine — covers mowers, trailers, and equipment whether they’re on the truck, on a job, or in the yard.
What it costs
General liability for a small Illinois landscaping company typically runs $700–$1,600 a year. Workers’ comp and auto scale with payroll and vehicle count. Equipment coverage is priced from a schedule of what you own. A ten-minute quote replaces all of these ranges with your actual numbers.
What commercial contracts require
Property managers, HOAs, and municipalities usually require $1M/$2M limits, their entity named as additional insured, and a certificate of insurance before the season starts. Wellkept issues certificates the day you win the account.