Landscaping insurance in Pagosa Springs, CO

Landscaping and lawn-care businesses carry seasonal payroll, vehicles, and equipment.

3independent agencies listed
3serving businesses too

Pagosa Springs, CO market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.

Landscapers coverage to consider

  • General liability
  • Commercial auto
  • Workers' compensation
  • Inland marine (equipment)
  • Herbicide & pesticide coverage
  • Umbrella / excess liability

Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.

The Pagosa Springs customer base

Business coverage conversations start with who you serve. These figures sketch the households behind local demand in Pagosa Springs.

2,090residents
775households
$50,785median household income
$374,600median home value

Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Pagosa Springs.

Disaster history in Archuleta County

Federal disaster declarations are public FEMA records of the events that have hit Archuleta County hardest. They're useful context when deciding which coverages and limits matter here.

3federal disaster declarations since 2000
Firemost common declared peril (2x)
2025most recent: Oak Fire

Source: FEMA public records (disaster declarations), county-level figures for Archuleta County.

Insurance agency records in Pagosa Springs

3 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.

HomeownersAutoRentersCondo / co-opCommercial

Broad license categories; specific offerings and independence need confirmation.

In records since 2024 · NPN 20856989 · public licensing record

Mackey Insurance LLC

Pagosa Springs, CO

Unclaimed
HomeownersAutoRentersCondo / co-opCommercial

Broad license categories; specific offerings and independence need confirmation.

In records since 2022 · NPN 17444631 · public licensing record

Smith Insurance, LLC

Pagosa Springs, CO

Unclaimed
HomeownersAutoRentersCondo / co-opCommercial

Broad license categories; specific offerings and independence need confirmation.

In records since 2020 · NPN 18823855 · public licensing record

Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.

Frequently asked questions

How many independent agencies can help with landscaping insurance in Pagosa Springs, CO?

Public licensing records list 3 insurance agencies in Pagosa Springs, Colorado with broad licensing qualifications relevant to this category, within Archuleta County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.

Can I compare landscaping insurance with agencies near Pagosa Springs?

Yes. You can request quotes in Pagosa Springs, or browse Denver, Colorado Springs, Aurora to compare independent agencies in other Colorado markets.

What happens after I request landscaping insurance quotes in Pagosa Springs?

Tell us what you need once. We match your request with one licensed independent agency serving Pagosa Springs. We are not an insurance agency and we do not sell your information into a bidding marketplace.

Does general liability cover pesticide or herbicide application?

Chemical application is often excluded or limited on standard policies. Ask about an endorsement or specialized coverage if you apply products.

How do I insure trailers and mowers?

Equipment is usually covered under inland marine. Vehicles and trailers may need commercial auto. An agent can structure both.

Tell us what you need once.

We'll match you with one independent agency serving Pagosa Springs. Your information is never sold or blasted to a list.

Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.