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Business Insurance for Lawn Care Professionals

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Employee illness caused by pesticide use or a lawsuit claiming property damage from a lawn treatment could sink your small business. Protect it with insurance for lawn care professionals.

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One application, multiple quotes

Insureon helps lawn care professionals compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do lawn care businesses need?

These policies provide coverage for the most common lawn care risks.

General liability insurance icon

General liability insurance

This policy covers basic lawn care risks, such as lawsuits over accidental property damage. Bundle it with property insurance for savings in a business owner's policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers vehicles owned by a lawn care business. It pays for injuries and property damage after an accident, along with theft, weather damage, and vandalism.

BEST FOR
  • Car accidents
  • Vandalism and theft
  • Weather damage
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for lawn care businesses that have employees. It can cover medical bills for work-related injuries.
BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a lawn care contractor’s lawn mowers, weed whackers, and other tools if they are lost, stolen, or damaged.

BEST FOR
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

How much does insurance cost for lawn care and landscaping professionals?

Landscaper calculating costs of medical, auto, and employee expenses.

Several factors will have an impact on insurance costs, including:

  • Landscaping services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."
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Why do lawn care businesses need insurance?

Running a lawn care business is both rewarding and risky. Hazardous equipment, chemicals, and work vehicles with trailers place you and your employees at higher risk for injuries and lawsuits. Fortunately, lawn care insurance can help you stay in business when facing legal and financial losses.

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