---
title: Life Insurance for Landscapers and tree trimmers | Coverfolk
url: https://coverfolk.com/jobs/landscapers
updated: 2026-10-08
---

# Life insurance for landscapers and tree trimmers

Landscapers and tree trimmers work outside with mowers, chainsaws, and chippers. BLS counts about 1.3 million grounds jobs, including about 70,600 tree trimmers.

[Find my coverage gap](/jobs/landscapers/calculator)

Updated October 8, 20263 sources[Fact checked](/editorial-standards)

**1.3 million**About 1.3 million grounds maintenance worker jobs (1,299,200), including 70,600 tree trimmers and pruners (2025)[Source: BLS OOH: Grounds Maintenance Workers](https://www.bls.gov/ooh/building-and-grounds-cleaning/grounds-maintenance-workers.htm)

**20.5**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**5.9x**the average risk at work, based on the BLS rates

[### landscapers coverage calculator

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Open](/jobs/landscapers/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

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## Why it matters

In 2023, grounds maintenance workers had a fatal injury rate of 20.5 per 100,000 full time workers. The rate for all workers was 3.5. That is almost six times higher.

About 1 in 5 grounds workers is self employed. If you run your own crew, there is no work life plan unless you buy one.

* OSHA says many hazards in tree care can kill, including power lines, falling branches, and faulty safety gear.
* BLS says tree trimmers may work at great heights. About 20 percent of grounds maintenance workers are self employed.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Tree work or lawn and garden work
* Climbing or aerial lift work
* Work near power lines
* Whether you are self employed
* Your age, health, and tobacco use

## Common questions

Can landscapers get life insurance?

Yes. Lawn work may not change your price much. Tree work may cost more.

Why does tree work matter?

OSHA says power lines, falling branches, and faulty gear can kill tree workers. Insurers may ask about climbing.

I run my own crew. Do I have coverage?

Only if you bought it. There is no employer plan when you work for yourself.

Should I tell them I climb trees?

Yes. Answer every question truthfully so your family gets paid.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Grounds Maintenance Workers](https://www.bls.gov/ooh/building-and-grounds-cleaning/grounds-maintenance-workers.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [OSHA: Tree Care Industry, Hazards and Solutions](https://www.osha.gov/tree-care/hazards-solutions)

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