Why Texas Landscapers Need Workers’ Comp — Even If It’s Not Required

If you run a landscaping or irrigation business in Texas, you may already know that workers’ compensation insurance isn’t mandatory for most private employers. But just because it’s not required by law doesn’t mean it’s optional for your business’s long-term health.

When you’re managing crews, operating heavy machinery, and working in unpredictable outdoor environments, risk comes with the territory. Workers’ comp is a crucial way to protect both your employees and your business when the unexpected happens.

Let’s break down why smart landscaping businesses in Texas still choose to carry workers’ comp — and what could go wrong if you don’t.

What Does Workers’ Comp Cover?

Workers’ compensation insurance provides benefits to employees who are injured or become ill as a result of their job. It typically covers:

• Medical bills
• Lost wages
• Rehabilitation expenses
• Disability benefits
• Death benefits for surviving family members

For landscaping businesses, common claims might include:

• Heat exhaustion or sunstroke
• Back or joint injuries from lifting
• Cuts or amputations from power tools
• Slips, falls, or equipment accidents on job sites

Why It Matters — Even If You’re Not Required to Carry It

In Texas, you’re not automatically obligated to carry workers’ comp unless you contract with a government entity or have certain federal employees. However, that doesn’t mean you’re off the hook financially if someone gets hurt.

If an injured employee sues your business, you could be liable for medical costs, legal fees, and lost wages — with no policy to protect you. Workers’ comp helps:

• Protect your business from lawsuits
• Provide quicker support to injured workers
• Avoid disruptions to your team and jobs
• Improve your reputation with clients and subcontractors

Some large property managers or general contractors even require proof of workers’ comp before awarding jobs.

Real Risks for Landscaping Crews

Outdoor work is physically demanding and full of hazards. Landscapers and irrigation crews face risks every day, including:

• Operating mowers, trenchers, and saws
• Exposure to heat, pesticides, or allergens
• Working near roadways or uneven terrain

These risks aren’t just hypothetical — they’re common, especially in Texas summers. Having workers’ comp means your team gets the care they need without delay, and your business stays protected from financial fallout.

Workers’ Comp and Employee Retention

Carrying workers’ comp also shows that you take your crew’s well-being seriously. That can:

• Build trust with your employees
• Help you attract more skilled labor
• Reduce turnover and training costs

In a competitive hiring market, showing that you invest in safety and support goes a long way.

Get the Right Coverage for Your Operation

Not every workers’ comp policy is the same. At McKnight Insurance, we help Texas landscaping businesses:

• Choose carriers that understand your industry
• Make sure payroll, job duties, and risk classes are correctly listed
• Integrate workers’ comp with general liability and other key policies

Whether you have a small crew or 50+ employees, we’ll tailor coverage that grows with you.

Protect Your Team. Protect Your Business.

Skipping workers’ comp might save you a little up front — but one serious injury can cost your business everything. Choosing to carry workers’ comp is an investment in safety, stability, and smart business planning.

Need guidance? Contact McKnight Insurance to speak with a local agent and build the right protection for your landscaping or irrigation company.