California has never been an easy place to operate a landscaping business. But for your clients in the Golden State, 2025 may be the most complex year yet. A string of devastating wildfires has left more than 12,000 structures destroyed and over 100,000 people displaced in Southern California alone.
Even if that were the only consideration, it would still be enough to strain local contractors. But it’s not the only pressure point in the California business environment.
More Jobs, Fewer Hands
The need for skilled labor is exploding. Landscapers are being tapped to help with wildfire recovery: stabilizing soil, restoring erosion buffers, and replanting resilient vegetation around rebuilt homes. But that surge in demand is colliding with a shrinking labor pool. Nearly 40% of California’s construction workforce is made up of immigrants, industry reports have found. As new immigration enforcement measures roll out, contractors who rely on seasonal or undocumented workers may find themselves in legally precarious positions or unable to meet project timelines.
The Olympics Are Coming
Los Angeles is racing to prepare for the 2028 Olympics, which means years of ongoing work: upgrading public transportation, expanding event venues, revitalizing public parks, and supporting adjacent private development. Landscaping businesses that secure these jobs may see significant opportunities, but also face substantial exposure. Tight turnarounds and public scrutiny increase the risks of cost overruns, subcontractor disputes, and liability claims.
Global Tensions Meet Local Supply Chains
If labor is the first half of the equation, materials are the other. Tariffs on imported goods, such as steel and concrete, have already taken effect, with China responding with countermeasures. For landscapers, this means higher prices for hardscape materials, longer delays, and tighter margins on even routine projects.
Help Clients Prepare for a Shifting Market
In times like these, coverage gaps in landscaping insurance can become expensive quickly. A client using subcontractors requires clear protections if something goes wrong. A delay caused by materials shortages could trigger penalties. And a simple job could spiral into a liability nightmare on a high-profile site. That’s why purpose-built landscaping business insurance matters, and why now is the right time to review policies with your clients.
Need help navigating insurance trends in this shifting terrain? MiniCo’s exclusive Landscaping insurance program is designed to help you protect your clients, no matter how rough the road ahead. Our program is available in Arizona, California, and Nevada. Contact us today to start the conversation.
